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87 Fed. Reg. 63663 (Oct. 20, 2022)
The OCC, the Board, and the Bureau are finalizing amendments to the official interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA). Section 129H of TILA establishes special appraisal requirements for “higher-risk mortgages,” termed “higher-priced mortgage loans” or “HPMLs” in the agencies' regulations.
87 Fed. Reg. 76551 (Dec. 15, 2022)
The Consumer Financial Protection Bureau (CFPB) has received a written request to make a determination that the Truth in Lending Act (TILA) preempts a New York State commercial financing law with respect to certain provisions. The CFPB is publishing this notification of intent to make a preemption determination about that law and has made a preliminary conclusion that this law is not preempted by TILA.
87 Fed. Reg. 78831 (Dec. 23, 2022)
The Consumer Financial Protection Bureau (Bureau) is issuing this final rule amending the regulation text and official interpretations for Regulation Z, which implements the Truth in Lending Act (TILA). The Bureau calculates the dollar amounts for several provisions in Regulation Z annually; this final rule revises, as applicable, the dollar amounts for provisions implementing TILA and amendments to TILA, including under the Home Ownership and Equity Protection Act of 1994 (HOEPA), and the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).
87 Fed. Reg. 80435 (Dec. 30, 2022)
The Consumer Financial Protection Bureau (Bureau) is amending the official commentary to its Regulation Z in order to make annual adjustments to the asset-size thresholds exempting certain creditors from the requirement to establish an escrow account for a higher-priced mortgage loan (HPML).
88 Fed. Reg. 16198 (Mar. 16, 2023)
The Consumer Financial Protection Bureau (CFPB or Bureau) is conducting a review of Regulation Z's Mortgage Loan Originator Rules (Loan Originator Rules) pursuant to section 610 of the Regulatory Flexibility Act. Regulation Z, which implements the Truth in Lending Act (TILA), among other things, imposes certain requirements on: loan originator compensation; qualification of, and registration or licensing of, loan originators; compliance procedures for depository institutions; mandatory arbitration; and the financing of single premium credit insurance.
Reasonable Accommodation Request, Extend Deadline for Acceptance
This is a sample letter to a reverse mortgage lender asking for more time to respond to a repayment plan because of cognitive disabilities, as a reasonable accommodation of her disabilities under the Fair Housing Act.
Sample HUD Complaint, Failure to Offer Accommodation
This is a sample housing discrimination complaint submitted to HUD based on failure to offer an accommodation based on disability.
Digital Denials: How Abuse, Bias, and Lack of Transparency in Tenant Screening Harm Renters (NCLC Sept. 2023)
Landlords use tenant screening reports to evaluate rental applications. This September 2023 NCLC report is based on an analysis of 253 responses from attorneys and tenant advocates about tenant screening problems. The report examines the survey results, provides an in-depth analysis of tenant screening problems identified by the survey, and makes recommendations for change. The report responds to an FTC and CFPB call for information on tenant screening.