{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is amending certain mortgage rules issued in 2013. The final rule provides an alternative small servicer definition for nonprofit entities that meet certain requirements and amends the existing exemption from the ability-to-repay rule for nonprofit entities that meet certain requirements. The final rule also provides a cure mechanism for the points and fees limit that applies to qualified mortgages.","action":"Final rule; official interpretations.","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2014/11/03/2014-25503.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"79 FR 65300","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective dates: The final rule is effective on November 3, 2014, except amendatory instruction 5, which is effective August 1, 2015. For additional discussion regarding the effective date of the rule, see section VI of the SUPPLEMENTARY INFORMATION below.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2014-0009"],"dockets":[],"document_number":"2014-25503","effective_on":"2014-11-03","end_page":65325,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2014/11/03/2014-25503.xml","html_url":"https://www.federalregister.gov/documents/2014/11/03/2014-25503/amendments-to-the-2013-mortgage-rules-under-the-truth-in-lending-act-regulation-z","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2014-25503?publication_date=2014-11-03","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2014-11-03/2014-25503/mods.xml","not_received_for_publication":null,"page_length":26,"page_views":{"count":22071,"last_updated":"2026-08-24 16:15:16 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-11-03/pdf/2014-25503.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-25503.pdf?1414759937","publication_date":"2014-11-03","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2014/11/03/2014-25503.txt","regulation_id_number_info":{"3170-AA43":{"issue":"201504","html_url":"https://www.federalregister.gov/regulations/3170-AA43/further-amendments-to-2013-mortgage-rules-regulations-x-and-z-","title":"Further Amendments to 2013 Mortgage Rules (Regulations X and Z)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201504&RIN=3170-AA43&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA43"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB_FRDOC_0001","supporting_documents_count":0,"docket_id":"CFPB_FRDOC_0001","regulation_id_number":null,"title":"Recently Posted CFPB Rules and Notices.","checked_regulationsdotgov_at":"2015-01-12T19:47:50Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":65300,"subtype":null,"title":"Amendments to the 2013 Mortgage Rules Under the Truth in Lending Act (Regulation Z)","toc_doc":"Mortgage Rules under the Truth in Lending Act (Regulation Z)","toc_subject":null,"topics":["Advertising","Consumer protection","Credit","Credit unions","Mortgages","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":79}