Regulatory Compliance Calendar

December 2015
Date

Implementing
Regulation

Rule Type*

Description/Hyperlink

January 1, 2018

HMDA

Final Rule

Final HMDA Rule on Data Collection Expansion

January 1, 2016

Regulation Z

Final Rule

CFPB Rule Facilitates Access to Credit in Rural or Underserved Areas

January 1, 2016

Regulation Z

Final Rule

CFPB Publishes Annual Regulation Z Thresholds

October 3, 2015

Regulation
Z/RESPA

Final Rule

CFPB New Mortgage Disclosure Rule and Forms

October 1, 2015

32 CFR Part 232

Final Rule

Defense Department Publishes Final Military Lending Act Rule

October 1, 2015

Flood Disaster
Protection Act

Final Rule

Flood Insurance Final Rule on Escrow & Detached Structures

August 1, 2015

Regulation
Z/RESPA

Final Rule

CFPB New Mortgage Disclosure Rule and Forms

July 23, 2015

Regulation J

Final Rule

Regulation J Changes - Efficiency of Payment System

July 7, 2015

Regulation Z and
RESPA

Final Rule

CFPB Delays TRID Effective Date

March 23, 2015

Regulation Z and
Regulation E

Proposed Rule

CFPB Prepaid Rule

March 16, 2015

RESPA and
Regulation Z

Proposed Rule

CFPB Servicing Rule Changes

February 23, 2015

Various

Final Rule

Agencies Finalize Credit Risk Retention Rule

November 3, 2014

Regulation Z

Final Rule

Mortgage Rules Revisions

Accume Partners 2015. All rights reserved.

Affected
Department

Manager
Responsible

Action
Taken

October 29, 2014

Regulation C

Proposed Rule

Changes to HMDA Reporting Requirements

October 28, 2014

Regulation P

Final Rule

CFPB Rule for Easing Privacy Notice Requirements

October 24, 2014

Regulation AA

Proposed Rule

Repeal of Regulation AA

October 3, 2014

BSA

Proposed Rule

FinCEN Proposes Additional Enhanced Customer Due Diligence Requirements

July 1, 2014

FATCA

Final Rule

Treasury & IRS Finalize Foreign Account Tax Compliance Act Regulations

June 9, 2014

38 CFR 36.4300(b)

Final Rule

VA ATR/QM Requirements

June 1, 2014

Biggert-Waters Act

Memo

FEMA Issues Memo Regarding Biggert-Waters Flood Reform Act

Highlight reflects a change from the prior Regulatory Calendar.

* Proposed Rules contain notices to the public of the proposed issuance of regulations, and they allow an opportunity for interested parties to provide
input. The date in the calendar above is when public comments are due.
Interim Rules are issued without prior notice and are effective immediately; the interim rule is designed to respond to an emergency situation and is
usually followed by a final rule document which confirms that the interim rule is final.
Interim Final Rules are final rules having the full force and effect of law. They allow stakeholders to submit comments the agency will consider before
deciding whether to issue a revised final rule or confirm the interim final rule as final.
Final Rules are federal agency final rules and regulations that have general applicability and legal effect.
**Rulemaking Proposals generally do not have an effective date, except for the Dodd-Frank proposed regulations because Congress specified the
effective date in the legislation.
Guidance is issued by the various regulators. Although a bank cannot be cited for a violation of law for not complying; nevertheless, a regulator can
enforce the guidance through other means. The agency guidance included in this calendar are those that have action dates.

Accume Partners 2015. All rights reserved.