Dodd-Frank Act Mortgage Lending Resources

The resources available below address rules issued by the Bureau of Consumer Financial Protection (BCFP) to implement provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Escrow Requirements/Higher-Priced Mortgage Loans (Regulation Z - Truth in Lending Act)
Loan Originator Compensation and Qualifications Requirements (Regulation Z - Truth in Lending Act)
Home Ownership and Equity Protection Act (Regulation Z - Truth in Lending Act and Regulation X - Real Estate Settlement Procedures Act)
Ability to Repay Requirements/Qualified Mortgages (Regulation Z - Truth in Lending)
Mortgage Servicing Final Rules (Regulation Z – Truth In Lending Act and Regulation X – Real Estate Settlement Procedures Act)
Appraisals for Higher-Priced Mortgage Loans (Regulation Z - Truth in Lending Act)
TILA-RESPA Integrated Disclosure Rule (Regulation Z - Truth in Lending Act and Regulation X - Real Estate Settlement Procedures Act)
NCUA Webinars
Additional Resources

Escrow Requirements/Higher-Priced Mortgage Loans (Regulation Z - Truth in Lending Act)

These resources discuss when escrow accounts must be established and which institutions are exempt from escrow requirements.

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending Act (Regulation Z) Adjustment to Asset Size Exemption Threshold (Effective Jan. 1, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold (Effective Jan. 1, 2018) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold (Effective Jan. 1, 2017) (Opens new window)

Loan Originator Compensation and Qualifications Requirements (Regulation Z - Truth in Lending Act)

These resources provide information about how to determine when compensation is permitted, limits on payment and required qualifications for loan originators.

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending (Regulation Z); Screening and Training Requirements for Mortgage Loan Originators with Temporary Authority Interpretive Rule (Effective Nov. 24, 2019) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Regulation Z (Truth in Lending) Screening and Training Requirements for Loan Originators Final Rule (Effective Nov. 24, 2019) (Opens new window)

NCUA Regulatory Alert 14-RA-05 (January 2014)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Rule and Additional CFPB Resources (Rule generally effective Jan. 10, 2014; additional effective date applies to particular provision) (Opens new window)

Home Ownership and Equity Protection Act (Regulation Z - Truth in Lending Act and Regulation X - Real Estate Settlement Procedures Act)

These resources present information about compliance with requirements for providing certain high-cost mortgages.

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD Act. HOEPA, and ATR/QM) (Effective Jan. 1, 2021) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Correction to Truth in Lending (regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA, and ATR/QM) Final Rule (Effective Jan. 1, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA, and ATR/QM) (Effective Jan. 1, 2020) (Opens new window)

Consumer Financial Protection Update 19-02, CFPB Announces Asset-Size Threshold Adjustments Under HMDA and TILA (Jan. 15, 2019)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. BCFP Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA, and ATR/QM) (Effective Jan. 1, 2019) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA and ATR/QM) (effective Jan. 1, 2018) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold (Effective Jan. 1, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA and ATR/QM) (effective Jan. 1, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Issues Guidance on Housing Counselor Requirement (Opens new window)

Ability to Repay Requirements/Qualified Mortgages (Regulation Z - Truth in Lending)

These resources provide details about how to calculate a borrower's ability to repay a mortgage loan and which loans provide special legal protections to lenders.

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending (Regulation Z); Determining “Underserved” Areas Using Home Mortgage Disclosure Act Data (Issued June 23, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD Act, HOEPA, and ATR/QM) (Effective Jan. 1, 2020) (Opens new window)

Consumer Financial Protection Update 19-07, CFPB Publishes 2019 Lists of Rural and Underserved Counties and Updates Website Tool (March 4, 2019) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Final 2019 Rural or Underserved Counties List and Final 2019 Rural Counties List (Issued Feb. 12, 2019) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Rural and Underserved Areas Tool (Opens new window)

Consumer Financial Protection Update 19-02, CFPB Announces Asset-Size Threshold Adjustments Under HMDA and TILA (Jan. 15, 2019)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold (Effective Jan. 1, 2017) (Opens new window)

NCUA Regulatory Alert 16-RA-05, Amendments Relating to Small Creditors and Rural or Underserved Areas under the Truth in Lending Act (May 2016)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Interim Final Rule Relating to Operations in Rural Areas under the Truth in Lending Act (Regulation Z) (Issued March 22, 2016) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Application Process for Designation of Rural Area under Federal Consumer Financial Law Procedural Final Rule (March 3, 2016) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z) (Effective Jan. 1, 2016) (Opens new window)

Mortgage Servicing Final Rules (Regulation Z – Truth In Lending Act and Regulation X – Real Estate Settlement Procedures Act)

These resources provide guidance for entities that service mortgage loans, including rules about exemption for small servicers.

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Bulletin 2020-02-Compliance Bulletin and Policy Guidance: Handling of Information and Documents During Mortgage Servicing Transfers (Published May 1, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Mortgage Servicing FAQs (Updated March 20, 2018) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Mortgage Servicing Rule Small Entity Compliance Guide (Issued March 29, 2018) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Final Rule Amendments to the 2016 Mortgage Servicing Rule (Issued March 8, 2018) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Executive Summary of the 2016 Mortgage Servicing Rule (Issued Oct. 18, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Amendments to the 2016 Amendments to the 2013 Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) Interim Final Rule (Issued Oct. 4, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z); Correction (July 5, 2017) (Opens new window)

NCUA Regulatory Alert 17-RA-01, 2016 Mortgage Servicing Rule Fair Debt Collection Practices Act Interpretive Rule (January 2017)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Safe Harbors from Liability under the Fair Debt Collection Practices Act for Certain Actions Taken in Compliance with Mortgage Servicing Rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) (Effective Oct. 19, 2017; other effective date applies to certain provision) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Truth in Lending (Regulation Z) CFR Correction to Supplement I to Part 1026—Official Interpretations, Section 1026.41 Periodic Statements for Residential Mortgage Loans (published in the Federal Register on July 29, 2016) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Amendments to the 2013 Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) (Issued April 26, 2016) (Opens new window)

Appraisals for Higher-Priced Mortgage Loans (Regulation Z - Truth in Lending Act)

These resources address rules about when appraisals must be performed, who may perform appraisals and disclosure to consumers.

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Appraisals for Higher-Priced Mortgage Loan Exemption Threshold Adjustment (Effective Jan. 1, 2020) (Opens new window)

Consumer Financial Protection Update 19-07, CFPB Publishes 2019 Lists of Rural and Underserved Counties and Updates Website Tool (March 4, 2019) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Rural and Underserved Areas Tool (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Appraisals for Higher-Priced Mortgage Loans Exemption Threshold Adjustment (Effective Jan. 1, 2018) (Opens new window)

TILA-RESPA Integrated Disclosure Rule (Regulation Z - Truth in Lending Act and Regulation X - Real Estate Settlement Procedures Act)

These resources provide guidance for completing the unified disclosures required by the Truth in Lending Act and the Real Estate Settlement Procedures Act.

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB TRID: Combined Construction Loan Guide (Dec. 2019) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB TRID: Separate Construction Loan Guide (Dec. 2019) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Factsheet: Are Loan Estimates and Closing Disclosures Required for Assumptions? (May 1, 2019) (Opens new window)

Consumer Financial Protection Update 19-06, CFPB Releases FAQs for Complying with TRID Rule Change (March 4, 2019) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z) (Effective June 1, 2018) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Executive Summary of the 2018 TILA-RESPA Rule (Issued April 26, 2018) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB 2017 TILA-RESPA Rule Small Entity Compliance Guide (Version 5) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Amendments to Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z) Final Rule (Aug. 11, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Department of Veterans Affairs Circular 26-16-11, Policy Clarification for TILA-RESPA Integrated Disclosure Fee Itemization Requirements and Regarding Loan Expenses Not Expressly Permitted by 38 CFR 36.4313 (Issued April 11, 2016) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB: Know Before You Owe Mortgage Disclosure Rule (TILA-RESPA Integrated Disclosure Rule – TRID) Webinars (Opens new window) (Recordings of previous webinars and additional information and resources)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X ) and the Truth in Lending Act (Regulation Z) Correction of Supplementary Information (Issued Feb. 9, 2016) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Know Before You Owe mortgage disclosure rule and construction lending Webinar (March 1, 2016 (Opens new window) )

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Owning a Home Tools and Resources (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Question Index – Outlook Live Webinars on TILA-RESPA Integrated Disclosure (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Fact Sheet “Will the new mortgage disclosures delay my closing? (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB “Know Before You Owe” Mortgage Shopping Toolkit (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB RESPA Special Information Booklet, Your Home Loan Toolkit (Issued March 2015) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB RESPA Special Information Booklet, Shopping for Your Home Loan (Issued January 2014) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB TILA-RESPA Integrated Disclosure Rule Implementation Webpage (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Small Entity Compliance Guide, Forms, Disclosure Timeline and Samples (Opens new window)

NCUA Webinars

These webinars address rules applicable to mortgage lending under the Dodd-Frank Act.

Additional Resources

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Interim Final Rule on Treatment of Certain COVID-19 Related Loss Mitigation Options Under the Real Estate Settlement Procedures Act (RESPA) (Regulation X) (Published June 30, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB LIBOR Transition FAQs (Published June 4, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Interim Final Rule on Loss Mitigation Options for Homeowners Recovering from Pandemic-Related Financial Hardships (Issued June 23, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB TILA-RESPA Integrated Disclosure Guide to the Loan Estimate and Closing Disclosure forms (Issued Dec. 6, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Notice of Availability of Revised Methodology for Determining Average Prime Offer Rates (published Aug. 10, 2016) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. FFIEC Methodology for Determining Prime Offer Rates (published July 7, 2016) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Guidance Documents (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Regulatory Implementation Resources (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Dodd-Frank Mortgage Rules Readiness Guide version 4.0 (September 2015) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. FFIEC Interagency Examination Procedures for TILA/Regulation Z (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. FFIEC Interagency Examination Procedures for RESPA/Regulation X (Opens new window)

Questions? Contact the Division of Consumer Compliance Policy and Outreach in NCUA's Office of Consumer Financial Protection at compliancemail@ncua.gov.