{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is amending Federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act (RESPA) and the Truth in Lending Act (TILA) that are implemented in Regulation Z. The amendments relate to when a creditor may compare charges paid by or imposed on the consumer to amounts disclosed on a Closing Disclosure, instead of a Loan Estimate, to determine if an estimated closing cost was disclosed in good faith.","action":"Final rule; official interpretation.","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/2018/05/02/2018-09243.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"83 FR 19159","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The final rule is effective June 1, 2018.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2017-0018"],"dockets":[],"document_number":"2018-09243","effective_on":"2018-06-01","end_page":19176,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2018/05/02/2018-09243.xml","html_url":"https://www.federalregister.gov/documents/2018/05/02/2018-09243/federal-mortgage-disclosure-requirements-under-the-truth-in-lending-act-regulation-z","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2018-09243?publication_date=2018-05-02","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2018-05-02/2018-09243/mods.xml","not_received_for_publication":null,"page_length":18,"page_views":{"count":22073,"last_updated":"2026-04-05 06:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2018-05-02/pdf/2018-09243.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2018-09243.pdf?1525178723","publication_date":"2018-05-02","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2018/05/02/2018-09243.txt","regulation_id_number_info":{"3170-AA71":{"issue":"201804","html_url":"https://www.federalregister.gov/regulations/3170-AA71/amendment-to-the-federal-mortgage-disclosure-requirements-under-the-truth-in-lending-act-regulation-","title":"Amendment to the Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201804&RIN=3170-AA71&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA71"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AA76/home-mortgage-disclosure-act-regulation-c-","title":"Home Mortgage Disclosure Act (Regulation C) "},"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2017-0018","supporting_documents_count":0,"docket_id":"CFPB-2017-0018","regulation_id_number":"3170-AA76","title":"Amendments to Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)","checked_regulationsdotgov_at":"2018-05-22T10:00:15Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":19159,"subtype":null,"title":"Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z)","toc_doc":"Official Interpretation","toc_subject":"Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z):","topics":["Advertising","Banks, banking","Banks, banking","Banks, banking","Banks, banking","Consumer protection","Credit","Credit unions","Mortgages","National banks","Reporting and recordkeeping requirements","Savings associations","Truth in lending"],"type":"Rule","volume":83}