Consumer Compliance Outlook > Regulatory Calendar
|Effective Date||Implementing Regulation||Regulatory Change||Outlook Live Webinar|
|†||Proposal to define larger nonbank participants in automobile financing market|
|†||Reg. BB||Proposal to revise Interagency Community Reinvestment Act Q&As|
|†||Reg. C||Proposal to add new Home Mortgage Disclosure Act data fields to Reg. C|
|†||Reg. P||Consumer Financial Protection Bureau (CFPB) proposes to streamline privacy notices|
|†||Reg. Z||CFPB Proposal for Cure Procedure for points/fees error|
|†||Various||Interagency proposal to establish minimum requirements for appraisal management companies|
|†||Reg. E||Consumer Financial Protection Bureau (CFPB) proposal to extend until July 21, 2020, temporary provision allowing use of estimates for foreign remittance transfer pricing disclosures|
|†||Reg. H||Proposal to implement Biggert-Waters Flood Insurance Reform Act|
|8/1/15||Regs. X and Z||Final rule integrating Real Estate Settlement and Procedures Act (RESPA) and Truth in Lending (TILA) mortgage disclosures||6/17/14
|12/1/14||Reg. E||Final rule defining larger nonbank participants in international money transfer market|
|1/18/14||Reg. B||Final rule on Dodd-Frank Act appraisal requirements under the Equal Credit Opportunity Act (ECOA)|
|1/18/14*||Reg. Z||Final rule exempting subset of higher-priced mortgage loans (HPMLs) from appraisal requirements|
|1/18/14||Reg. Z||Final rule on Dodd-Frank Act appraisal requirements for HPMLs|
|1/10/14 (interim final rule)||Regs. X and Z||Amendment to RESPA and TILA mortgage rules|
|1/10/14||Regs. X and Z||Final rule on Dodd-Frank Act requirements for high-cost mortgages and homeownership counseling|
|1/10/14||Reg. Z||Final rule delaying effective date of Dodd-Frank Act prohibition on single-premium credit insurance|
|1/10/14**||Reg. Z||Final rule on Dodd-Frank Act ability-to-repay/qualified mortgage rule
CFPB later amended the rule to clarify inclusion of loan originator compensation in points and fees test.
CFPB also amended rule in June 2013 concerning ATR and loan servicing rules.
|11/10/13||Reg. BB||Revised Interagency Questions and Answers Regarding Community Reinvestment||7/17/14|
†Rulemaking proposals generally do not have an effective date.
*For manufactured homes, the effective date for the HPML appraisal requirement is July 18, 2015.
**The amendment for mandatory arbitration was effective on June 1, 2013; amendments for SAFE Act and single-premium credit insurance took effect January 10, 2014.
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