{"abstract":"This final rule modifies the 2013 TILA-RESPA Final Rule. This rule extends the timing requirement for revised disclosures when consumers lock a rate or extend a rate lock after the Loan Estimate is provided and permits certain language related to construction loans for transactions involving new construction on the Loan Estimate. This rule also amends the 2013 Loan Originator Final Rule to provide for placement of the Nationwide Mortgage Licensing System and Registry ID (NMLSR ID) on the integrated disclosures. Additionally, the Bureau is making non-substantive corrections, including citation and cross- reference updates and wording changes for clarification purposes, to various provisions of Regulations X and Z as amended or adopted by the 2013 TILA-RESPA Final Rule.","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/2015/02/19/2015-01321.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1024,"title":12},{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"80 FR 8767","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The rule is effective August 1, 2015. The final rule applies to transactions for which the creditor or mortgage broker receives an application on or after August 1, 2015.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2014-0028"],"dockets":[],"document_number":"2015-01321","effective_on":"2015-08-01","end_page":8778,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2015/02/19/2015-01321.xml","html_url":"https://www.federalregister.gov/documents/2015/02/19/2015-01321/amendments-to-the-2013-integrated-mortgage-disclosures-rule-under-the-real-estate-settlement","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2015-01321?publication_date=2015-02-19","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2015-02-19/2015-01321/mods.xml","not_received_for_publication":null,"page_length":12,"page_views":{"count":28576,"last_updated":"2026-04-04 18:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2015-02-19/pdf/2015-01321.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2015-01321.pdf?1424267241","publication_date":"2015-02-19","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2015/02/19/2015-01321.txt","regulation_id_number_info":{"3170-AA48":{"issue":"201410","html_url":"https://www.federalregister.gov/regulations/3170-AA48/amendments-and-corrections-to-tila-respa-integrated-disclosure-final-rule","title":"Amendments and Corrections to TILA-RESPA Integrated Disclosure Final Rule","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201410&RIN=3170-AA48&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["3170-AA48"],"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":"2015-03-11T06:00:09Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":8767,"subtype":null,"title":"Amendments to the 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z) and the 2013 Loan Originator Rule Under the Truth in Lending Act (Regulation Z)","toc_doc":"Official Interpretations","toc_subject":"Integrated Mortgage Disclosures and Loan Originator Rules:","topics":["Advertising","Condominiums","Consumer protection","Credit","Credit unions","Housing","Mortgages","National banks","Reporting and recordkeeping requirements","Reporting and recordkeeping requirements","Reporting and recordkeeping requirements","Savings associations","Truth in lending"],"type":"Rule","volume":80}