Legal consulting, action and implementation.

RESPA-TILA Integrated Disclosure Rules

Integrated Mortgage Disclosures Final Rule

CFPB Executive Summary of the Final Rule

Annotated Version of the Loan Estimate

Annotated Version of the Closing Disclosure

Mortgage Rules Now Effective

Mortgage Rules at a Glance

This chart includes all of the rules, grouped with links to the original published rule and all of the amendments to each rule, together with some compliance aids.

Small Entity Compliance Guides

The Small-Entity Compliance Guides are straight-forward, yet detailed, explanations of the requirements of the rules from the CFPB itself. Since there are only a few differences in the compliance requirements for small-entities, these Compliance Guides are helpful for entities of all sizes (although it is important to note the differences).

A chart on this page includes links to the most up-to-date compliance guides.

Below are direct links to the guides updated as of March 11, 2014

Ability-to-Pay/Qualified Mortgage Rule

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


Loan Originator Rule

Equal Credit Opportunity Act (ECOA) Valuations Rule

TILA Higher-Priced Mortgage Loans (HPML) Appraisal Rule

TILA Higher-Priced Mortgage Loans (HPML) Escrow Rule