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Mortgage Rules Resource Page

In January of 2013 the Consumer Financial Protection Bureau (CFPB) issued six final rules that will help govern mortgage lending.  These rules will have far reaching impacts on the mortgage market and shape mortgage lending for many years to come.  ICBA has developed this resource page to help community bankers understand the rules, help answer questions regarding their applicability to their banks, and prepare for implementation.  ICBA will continue to update this page as information and clarification of these rules becomes available.

If you have questions, please email them to info@icba.org.

 ICBA Summary of HMDA Proposed Rule, Proposed by the CFPB on 7/24/14 (July 2014)

ICBA Summary of TILA-RESPA Integrated Disclosure Rule (May 2014)

ICBA Tips for Responding to Public Requests for Home Mortgage Disclosure Act (HMDA) Data (May 2014)

ICBA Letter to CFPB Director Richard Cordray Requesting Extension in Mandatory Compliance Deadline

CFPB Mortgage Rule Implementation Page

2013 CFPB Dodd-Frank Mortgage Rules Readineess Guide Version 2.0 (Dec. 2013)

Download the Community Bank Qualified Mortgage Survey Report

CFPB Video: Overview of all 2013 New Mortgage Rules

CFPB QM One-Pager for Lenders

CFPB Small Creditor QM Flowchart


Ability to Repay/Qualified Mortgage Standards

Final Rule and Concurrent Proposal

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Appraisals for Higher-Priced Mortgage Loans

Final Rule

Proposed Rule

Date Title
10/15/12 ICBA Comment Letter on Regulation B Proposed Appraisal Rule
10/15/12 ICBA Comment Letter on Appraisals for Higher-Risk Mortgage Loans

 

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Escrow Requirements for HPML Loans

Final Rule

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High-Cost Mortgages/HOEPA Requirements

Final Rule

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Mortgage Loan Originator Compensation and Qualification Standards

Final Rule

Proposed Rule

Date Title
10/16/12 ICBA Comment Letter on Mortgage Loan Originator Compensation
07/23/12 Industry Letter on Loan Originator Compensation Rulemaking
06/13/12 ICBA Comment Letter on the SBREFA Panel for Residential Mortgage Loan Origination Standards Rulemaking

 

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Mortgage Servicing Requirements (RESPA and TILA)

Final Rule

Proposed Rule

Date Title
10/09/12 ICBA Comment Letter to CFPB on Mortgage Servicing Rulemaking

 

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