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This is a two piece cheat sheet - One page is a "Providing the Closing Disclosure" that breaks down when the disclosure is due and when it would need to be mailed based on the closing date. The other page is a "TILA RESPA Integrated Disclosure Timeline" that takes you from application to consummation.Free Download
This document summarizes the integrated disclosures rule.Free Download
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The OCC’s National Risk Committee (NRC) monitors the condition of the federal banking system and emerging threats to the system’s safety and soundness. NRC members include senior agency officials who supervise banks of all sizes, as well as officials from the law, policy, accounting, and economics departments. The NRC meets quarterly and issues guidance to examiners that provides perspective on industry trends and highlights issues requiring attention. The OCC’s Semiannual Risk Perspective addresses key issues facing banks. The OCC publishes the report twice a year, drawing upon midyear and year-end data. The spring 2015 report reflects bank financial data as of December 31, 2014. Banks face risks and opportunities. As a report discussing risks, the Semiannual Risk Perspective focuses on issues that pose threats to the safety and soundness of banks. Other available sources assess opportunities and discuss the upside potential of those opportunities. This report presents data in four main areas: the operating environment, bank condition, key risk issues, and regulatory actions.
The Consumer Financial Protection Bureau (Bureau) is proposing to delay the August 1, 2015, effective date of the Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) (TILA-RESPA Final Rule) and the related…