{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to amend Regulation Z, which implements the Truth in Lending Act, as mandated by section 108 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. The amendments exempt certain insured depository institutions and insured credit unions from the requirement to establish escrow accounts for certain higher-priced mortgage loans.","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/2021/02/17/2021-01572.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"86 FR 9840","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This rule is effective on February 17, 2021.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2020-0023"],"dockets":[],"document_number":"2021-01572","effective_on":"2021-02-17","end_page":9857,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2021/02/17/2021-01572.xml","html_url":"https://www.federalregister.gov/documents/2021/02/17/2021-01572/higher-priced-mortgage-loan-escrow-exemption-regulation-z","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2021-01572?publication_date=2021-02-17","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2021-02-17/2021-01572/mods.xml","not_received_for_publication":null,"page_length":18,"page_views":{"count":7991,"last_updated":"2026-04-04 06:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-02-17/pdf/2021-01572.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-01572.pdf?1613483115","publication_date":"2021-02-17","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2021/02/17/2021-01572.txt","regulation_id_number_info":{"3170-AA83":{"issue":"202010","html_url":"https://www.federalregister.gov/regulations/3170-AA83/higher-priced-mortgage-loan-escrow-exemption-","title":"Higher-Priced Mortgage Loan Escrow Exemption\n","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202010&RIN=3170-AA83&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA83"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":0,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2020-0023","supporting_documents_count":0,"docket_id":"CFPB-2020-0023","document_id":"CFPB-2020-0023-0022","regulation_id_number":null,"title":"Higher-Priced Mortgage Loan Escrow Exemption (Regulation Z)","checked_regulationsdotgov_at":"2021-02-19T04:30:08Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":9840,"subtype":null,"title":"Higher-Priced Mortgage Loan Escrow Exemption (Regulation Z)","toc_doc":"Higher-Priced Mortgage Loan Escrow Exemption (Regulation Z)","toc_subject":null,"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":86}