{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is amending certain mortgage servicing rules issued by the Bureau in 2013. This final rule clarifies, revises, or amends provisions regarding force-placed insurance notices, policies and procedures, early intervention, and loss mitigation requirements under Regulation X's servicing provisions; and prompt crediting and periodic statement requirements under Regulation Z's servicing provisions. The final rule also addresses proper compliance regarding certain servicing requirements when a person is a potential or confirmed successor in interest, is a debtor in bankruptcy, or sends a cease communication request under the Fair Debt Collection Practices Act. The final rule also makes technical corrections to several provisions of Regulations X and Z. The Bureau is issuing concurrently with this final rule an interpretive rule under the Fair Debt Collection Practices Act relating to servicers' compliance with certain mortgage servicing rules.","action":"Final rule.","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/2016/10/19/2016-18901.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1024,"title":12},{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"81 FR 72160","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective on October 19, 2017, except that the following amendments are effective on April 19, 2018: Amendatory instructions 5, 6.b, 7, 8, 9, 11.b, 17.a.ii, 17.b.ii, 17.c, 17.d.ii, 17.f.i, 17.i.i, 17.k, 19, 20, 22, 23.c, 25.a, 25.b, 25.c.ii, and 25.d.ii. 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-2014-0033"],"dockets":[],"document_number":"2016-18901","effective_on":"2017-10-19","end_page":72401,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2016/10/19/2016-18901.xml","html_url":"https://www.federalregister.gov/documents/2016/10/19/2016-18901/amendments-to-the-2013-mortgage-rules-under-the-real-estate-settlement-procedures-act-regulation-x","images":{"ER19OC16.000":{"large":"https://img.federalregister.gov/ER19OC16.000/ER19OC16.000_large.png","original_size":"https://img.federalregister.gov/ER19OC16.000/ER19OC16.000_original_size.png"},"ER19OC16.001":{"large":"https://img.federalregister.gov/ER19OC16.001/ER19OC16.001_large.png","original_size":"https://img.federalregister.gov/ER19OC16.001/ER19OC16.001_original_size.png"},"ER19OC16.002":{"large":"https://img.federalregister.gov/ER19OC16.002/ER19OC16.002_large.png","original_size":"https://img.federalregister.gov/ER19OC16.002/ER19OC16.002_original_size.png"}},"images_metadata":{"ER19OC16.000":{"large":{"identifier":"ER19OC16.000","content_type":"image/png","size":90879,"width":823,"sha":"8d1e142226a1b72f19733568f4948211","url":"https://img.federalregister.gov/ER19OC16.000/ER19OC16.000_large.png","height":1277},"original_size":{"identifier":"ER19OC16.000","content_type":"image/png","size":305585,"width":2992,"sha":"3241f0db2a82357f6c0c84b124811918","url":"https://img.federalregister.gov/ER19OC16.000/ER19OC16.000_original_size.png","height":4641}},"ER19OC16.001":{"large":{"identifier":"ER19OC16.001","content_type":"image/png","size":97236,"width":823,"sha":"4ec3da6a5711f73e659c72a779de7652","url":"https://img.federalregister.gov/ER19OC16.001/ER19OC16.001_large.png","height":1269},"original_size":{"identifier":"ER19OC16.001","content_type":"image/png","size":345943,"width":3020,"sha":"2ed2119e96c7af1266cdc83da40d5102","url":"https://img.federalregister.gov/ER19OC16.001/ER19OC16.001_original_size.png","height":4656}},"ER19OC16.002":{"large":{"identifier":"ER19OC16.002","content_type":"image/png","size":112350,"width":823,"sha":"0eba49e1e8f9725e39d2a990d22a1dec","url":"https://img.federalregister.gov/ER19OC16.002/ER19OC16.002_large.png","height":1253},"original_size":{"identifier":"ER19OC16.002","content_type":"image/png","size":415734,"width":3059,"sha":"e8d969bfbf904413198613d6482cdce3","url":"https://img.federalregister.gov/ER19OC16.002/ER19OC16.002_original_size.png","height":4656}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2016-18901?publication_date=2016-10-19","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2016-10-19/2016-18901/mods.xml","not_received_for_publication":null,"page_length":242,"page_views":{"count":37466,"last_updated":"2026-07-27 02:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-18901.pdf?1476794727","publication_date":"2016-10-19","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2016/10/19/2016-18901.txt","regulation_id_number_info":{"3170-AA49":{"issue":"201604","html_url":"https://www.federalregister.gov/regulations/3170-AA49/amendments-to-the-2013-mortgage-rules-under-the-real-estate-settlement-procedures-act-regulation-x-a","title":"Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201604&RIN=3170-AA49&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA49"],"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":"2016-11-08T06:00:19Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":72160,"subtype":null,"title":"Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)","toc_doc":"Mortgage Rules under the Real Estate Settlement Procedures Act and the Truth in Lending Act","toc_subject":null,"topics":["Advertising","Condominiums","Consumer protection","Credit","Credit unions","Housing","Insurance","Mortgages","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":81}