Dodd-Frank Act Mortgage Lending Resources

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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)

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

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.

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.

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.

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.

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.

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.