{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is issuing this final rule to delay until October 1, 2022 the mandatory compliance date for the final rule titled Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition (General QM Final Rule). The Bureau is taking this action to help ensure access to responsible, affordable mortgage credit and to preserve flexibility for consumers affected by the COVID-19 pandemic and its economic effects.","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/2021/04/30/2021-09028.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"86 FR 22844","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective date: This final rule is effective on June 30, 2021.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2021-0003"],"dockets":[],"document_number":"2021-09028","effective_on":"2021-06-30","end_page":22860,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2021/04/30/2021-09028.xml","html_url":"https://www.federalregister.gov/documents/2021/04/30/2021-09028/qualified-mortgage-definition-under-the-truth-in-lending-act-regulation-z-general-qm-loan-definition","images":{"ER30AP21.004":{"large":"https://img.federalregister.gov/ER30AP21.004/ER30AP21.004_large.png","original_size":"https://img.federalregister.gov/ER30AP21.004/ER30AP21.004_original_size.png"},"ER30AP21.005":{"large":"https://img.federalregister.gov/ER30AP21.005/ER30AP21.005_large.png","original_size":"https://img.federalregister.gov/ER30AP21.005/ER30AP21.005_original_size.png"}},"images_metadata":{"ER30AP21.004":{"large":{"identifier":"ER30AP21.004","content_type":"image/png","size":35057,"width":822,"sha":"09b5075735ecbbcad7e55649c5cd5966","url":"https://img.federalregister.gov/ER30AP21.004/ER30AP21.004_large.png","height":544},"original_size":{"identifier":"ER30AP21.004","content_type":"image/png","size":156181,"width":4198,"sha":"47821577c66dbd8ccdcd7338a25311f3","url":"https://img.federalregister.gov/ER30AP21.004/ER30AP21.004_original_size.png","height":2778}},"ER30AP21.005":{"large":{"identifier":"ER30AP21.005","content_type":"image/png","size":31484,"width":823,"sha":"97ba2e2efaacf5788b4c8b49c9c99766","url":"https://img.federalregister.gov/ER30AP21.005/ER30AP21.005_large.png","height":462},"original_size":{"identifier":"ER30AP21.005","content_type":"image/png","size":126566,"width":4198,"sha":"520323030e055856e2097dcae7e192cf","url":"https://img.federalregister.gov/ER30AP21.005/ER30AP21.005_original_size.png","height":2358}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2021-09028?publication_date=2021-04-30","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2021-04-30/2021-09028/mods.xml","not_received_for_publication":null,"page_length":17,"page_views":{"count":22175,"last_updated":"2026-04-04 22:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2021-04-30/pdf/2021-09028.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2021-09028.pdf?1619700323","publication_date":"2021-04-30","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2021/04/30/2021-09028.txt","regulation_id_number_info":{"3170-AA98":{"issue":"202010","html_url":"https://www.federalregister.gov/regulations/3170-AA98/qualified-mortgage-definition-under-the-truth-in-lending-act-regulation-z-","title":"Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202010&RIN=3170-AA98&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["3170-AA98"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AA98/qualified-mortgage-definition-under-the-truth-in-lending-act-regulation-z-","title":"Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z)"},"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-2021-0003","supporting_documents_count":0,"docket_id":"CFPB-2021-0003","document_id":"CFPB-2021-0003-0032","regulation_id_number":"3170-AA98","title":"Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z): General Qualified Mortgage Loan Definition; Delay of Mandatory Compliance Date","checked_regulationsdotgov_at":"2021-05-01T03:30:10Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":22844,"subtype":null,"title":"Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z): General QM Loan Definition; Delay of Mandatory Compliance Date","toc_doc":"General QM Loan Definition; Delay of Mandatory Compliance Date","toc_subject":"Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z):\n","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}