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Regulatory News

July 30, 2009
Federal Reserve proposes significant changes to Regulation Z (Truth in Lending) intended to improve the disclosures consumers receive in connection with closed-end mortgages and home-equity lines of credit
The Federal Reserve Board on Thursday approved final amendments to Regulation Z (Truth in Lending) that revise the disclosure requirements for private education loans. The amendments implement provisions of the Higher Education…

July 23, 2009
Federal Reserve proposes significant changes to Regulation Z (Truth in Lending) intended to improve the disclosures consumers receive in connection with closed-end mortgages and home-equity lines of credit
The Federal Reserve Board on Thursday proposed significant changes to Regulation Z (Truth in Lending) intended to improve the disclosures consumers receive in connection with closed-end mortgages and home-equity lines of credit…

July 15, 2009
Fair Lending: Data Limitations and the Fragmented U.S. Financial Regulatory Structure Challenge Federal Oversight and Enforcement Efforts
The Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA)--the "fair lending laws"--prohibit discrimination in lending. Responsibility for their oversight is shared among three enforcement agencies--the Department of…

June 24, 2009
Agencies announce proposed revisions to regulations implementing the Community Reinvestment Act
The federal bank and thrift regulatory agencies today proposed revisions to regulations implementing the Community Reinvestment Act (CRA) to require the agencies to consider low-cost education loans provided to low-income borrowers…

June 8, 2009
Agencies release list of distressed or underserved nonmetropolitan middle-income geographies
The federal bank and thrift regulatory agencies today announced the availability of the 2009 list of distressed or underserved nonmetropolitan middle-income geographies in which revitalization or stabilization activities will receive…

May 8, 2009
Board approves final rules revising disclosure requirements for mortgage loans under Regulation Z
The Federal Reserve Board on Thursday approved final rules that revise the disclosure requirements for mortgage loans under Regulation Z (Truth in Lending). The revisions implement the Mortgage Disclosure Improvement Act (MDIA), which…

March 11, 2009
Federal Reserve proposes amendments to Regulation Z to revise disclosure requirements for private education loans
The Federal Reserve Board on Wednesday proposed amendments to Regulation Z (Truth in Lending) that would revise the disclosure requirements for private education loans. The amendments implement provisions of the Higher Education…