Know Before You Owe: preparing to finalize the new mortgage disclosure forms
Two and a half years ago, we began a line of work we call Know Before You Owe. The work that we did as part of that project helped lead us to the TILA-RESPA...
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A final rule that makes mortgage disclosure better for consumers
Today, we're issuing the TILA-RESPA final rule. This rule improves the way consumers receive information about mortgage loans, both when they apply and when...
Live from Boston!
Today, we held a field hearing in Boston on Know Before You Owe: Mortgages. The live event has ended. A recording will be available here soon.
Explainer: How the final TILA-RESPA rule differs from the proposal
When we first proposed the TILA-RESPA disclosure rule, we got a lot of questions about the length of the document containing the rule. We synthesized those...
Update: Save the date, Boston!
Join us for a field hearing in Boston on Know Before You Owe: Mortgages. The hearing will take place on Wednesday, November 20 at 11 a.m. EST. Learn more...
Save the date, Boston!
Join us for a field hearing in Boston on Know Before You Owe: Mortgages. The hearing will take place on Wednesday, November 20 at 11 a.m. EST. More...
Our new mortgage visualization tool
Today, we're launching a set of web-based tools to provide consumers with easier access to public HMDA data. We're excited to see what you do, and encourage...
Final list of rural and underserved counties for use in 2014
Several of our rules have provisions related to mortgage loans made by creditors that during the preceding year operated predominantly in "rural" or...
Clarification of the 2013 Escrows Final Rule
Today, we issued a final rule clarifying and making technical amendments to the 2013 Escrows Final Rule issued by the Bureau this past January. This is the...
Final list of rural and underserved counties for use in 2013
Final 2013 list of rural or underserved counties View or download the list in any of these formats: CSV | XLS | PDF Note: The Bureau has posted the final...
Proposed delay in effective date for Regulation Z provision prohibiting financing of credit insurance
In January, we issued several new mortgage rules under the Dodd-Frank Act. Most of these rules take effect in January 2014, but a few provisions are...
Proposed clarifications of the Ability to Repay/QM and Mortgage Servicing Rules
The CFPB is carrying out a regulatory implementation initiative for our new mortgage rules to ensure that they are implemented accurately and effectively...
Proposed clarification of the 2013 Escrows Final Rule
Today, we issued a proposed rule clarifying and making technical amendments to the 2013 Escrows Final Rule issued by the Bureau this past January. This is...
A small entity compliance guide for the Ability-to-Repay and Qualified Mortgage rule
Today, we published our Small Entity Compliance Guide for the Ability-to-Repay and Qualified Mortgage Rule. Our goal with this guide is to provide a...
Exemption from escrow requirement for small creditors in rural or underserved counties
On June 1, 2013, the Bureau's Escrow Requirements under the Truth in Lending Act rule (Escrows Rule) will go into effect, which require certain creditors to...
So, how do I submit a complaint?
This post is part of a series for National Consumer Protection Week We began taking credit card complaints in July 2011, and we now can help with complaints...
Qualified mortgages explained
Recently, we released the Ability-to-Repay rule designed to protect consumers from irresponsible lending and begin to lay the framework for stability in the...
Live from Atlanta, GA!
Today we're in Atlanta, GA for our second field hearing this month on mortgage policy. Watch here for remarks from CFPB Director, Richard Cordray, as well...
New rules, fewer runarounds for mortgage borrowers
When you take out a mortgage loan to buy a home, you trust the mortgage servicing industry to work. Mortgage servicers are responsible for sending you...
See you soon Atlanta, GA!
Join us for a field hearing on mortgage policy on Thursday, Jan. 17, 2013, featuring remarks from CFPB Director Richard Cordray, as well as testimony from...
Assuring consumers have access to mortgages they can trust
Today, we're issuing one of our most important rules to date, the Ability-to-Repay rule. It's designed to assure the reliability of mortgages – making sure...
Live from Baltimore, MD!
We were in Baltimore, MD for a field hearing on mortgage policy. Today's live event has ended. If you missed the event, you can read CFPB Director Cordray's...
See you soon, Baltimore, MD!
Join us for a field hearing on mortgage policy on Thursday, Jan. 10, 2013, featuring remarks from CFPB Director Richard Cordray, as well as testimony from...
Save the Date, Baltimore, MD, and Atlanta, GA!
Join us for two events on mortgage policy. On Thursday, Jan. 10, 2013, we will hold a field hearing in Baltimore, Md. On Thursday, Jan. 17, 2013, we will...
Why you should be suspicious of government logos
No, really. Just because something has a government logo on it doesn't mean that it's legitimate. Just today, we announced that we're cracking down on two...