{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is amending certain mortgage rules issued by the Bureau in 2013. This final rule revises the Bureau's regulatory definitions of small creditor, and rural and underserved areas, for purposes of certain special provisions and exemptions from various requirements provided to certain small creditors under the Bureau's mortgage rules.","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/2015/10/02/2015-24362.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"80 FR 59944","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective on January 1, 2016. For additional discussion regarding the effective date of the rule see part VI of the SUPPLEMENTARY INFORMATION below.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2015-0004"],"dockets":[],"document_number":"2015-24362","effective_on":"2016-01-01","end_page":59973,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2015/10/02/2015-24362.xml","html_url":"https://www.federalregister.gov/documents/2015/10/02/2015-24362/amendments-relating-to-small-creditors-and-rural-or-underserved-areas-under-the-truth-in-lending-act","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2015-24362?publication_date=2015-10-02","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2015-10-02/2015-24362/mods.xml","not_received_for_publication":null,"page_length":30,"page_views":{"count":11445,"last_updated":"2026-10-22 18:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2015-10-02/pdf/2015-24362.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2015-24362.pdf?1443703518","publication_date":"2015-10-02","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2015/10/02/2015-24362.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":"2015-10-22T06:00:16Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":59944,"subtype":null,"title":"Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z)","toc_doc":"Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z)","toc_subject":null,"topics":["Advertising","Consumer protection","Credit","Credit unions","Mortgages","Savings associations"],"type":"Rule","volume":80}