2014 Integrated Disclosures: Overview of the New Requirements

The CFPB published final rules (1,888 pages) to implement new integrated disclosures. It will likely take multiple exposures for creditors to master the new rules. This series provides an in-depth analysis of the new requirements.

The Consumer Financial Protection Bureau (CFPB) published final rules to implement the new integrated disclosures on November 20, 2013. The rule completes the Dodd-Frank mandate to combine the disclosures required by the Truth-in-Lending (TILA) and Real Estate Settlement Procedure Acts (RESPA). The 1,888 page final rule is effective on August 1, 2015.


This session provides a first look at the extensive new requirements:

  • The coverage rules for the new requirements;
  • The final rule that amends Regulation X (Real Estate Settlement Procedures Act) and Regulation Z (Truth in Lending) to establish new disclosure requirements and forms for most closed-end consumer credit transactions secured by real property;
  • The new timing rules and guidance related to the new Loan Estimate and Closing disclosures;
  • The outcome of the proposal to revise finance charge rules and
  • The new recordkeeping requirements.


Managers, loan originators, loan officers, lending assistants, compliance officers, auditors and others responsible for originating mortgage loans. 


Jack Holzknecht, CRCM, Pegasus Educational Services, LLC

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2.0 hours/session CRCM/CLBB


Live Webinar:

Member price: $265.00 | Non member price $530.00

On-Demand Webinar

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