{"abstract":"The Consumer Financial Protection Bureau is delaying until October 3, 2015, the effective date of the TILA-RESPA Final Rule and the related TILA-RESPA Amendments. In light of certain procedural requirements under the Congressional Review Act (CRA), the TILA-RESPA Final Rule and the TILA-RESPA Amendments cannot take effect on August 1, 2015, as originally provided by those rules. To comply with the CRA and to help ensure the smooth implementation of the TILA-RESPA Final Rule, the Bureau is extending the effective date of both the TILA-RESPA Final Rule and the TILA-RESPA Amendments beyond the additional minimum period required by the CRA to October 3, 2015, as proposed. The Bureau is also making certain technical amendments to the Official Interpretations of Regulation Z to reflect the new effective date and technical corrections to two provisions of Regulation Z adopted by the TILA-RESPA Final Rule.","action":"Final rule; official interpretations; delay of effective date.","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/2015/07/24/2015-18239.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1024,"title":12},{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"80 FR 43911","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The amendments in this final rule are effective on October 3, 2015. Effective July 24, 2015, this final rule delays the effective date from August 1, 2015, until October 3, 2015, for the final rules amending 12 CFR parts 1024 and 1026 published December 31, 2013, at 78 FR 79730, and February 19, 2015, at 80 FR 8767; and for amendatory instruction 5 amending Supplement I to 12 CFR part 1026, appearing on page 65325 in the Federal Register on November 3, 2014.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2015-0029"],"dockets":[],"document_number":"2015-18239","effective_on":"2015-10-03","end_page":43921,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2015/07/24/2015-18239.xml","html_url":"https://www.federalregister.gov/documents/2015/07/24/2015-18239/2013-integrated-mortgage-disclosures-rule-under-the-real-estate-settlement-procedures-act-regulation","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2015-18239?publication_date=2015-07-24","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2015-07-24/2015-18239/mods.xml","not_received_for_publication":null,"page_length":11,"page_views":{"count":19466,"last_updated":"2026-10-25 08:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2015-07-24/pdf/2015-18239.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2015-18239.pdf?1437578117","publication_date":"2015-07-24","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2015/07/24/2015-18239.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":"2015-08-13T06:00:09Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":43911,"subtype":null,"title":"2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) and Amendments; Delay of Effective Date","toc_doc":"Integrated Mortgage Disclosures Rule under the Real Estate Settlement Procedures Act and Truth in Lending Act and Amendments; Delay of Effective Date","toc_subject":null,"topics":["Advertising","Consumer protection","Credit","Credit unions","Mortgages","Savings associations"],"type":"Rule","volume":80}