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ARTICLE · 21 DECEMBER 2017

FRB Repeals Duplicative Home Mortgage Disclosure Regulations

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The FRB is also proposing amending Regulation M in order to clarify the scope of covered entities.

United StatesFinance and Banking
Hogan Lovells Cadwalader
Hogan Lovells Cadwalader
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The Board of Governors of the Federal Reserve Board ("FRB") repealed Regulation C (Home Mortgage Disclosure) and proposed revising Regulation M (Consumer Leasing).

In accordance with the transference of certain obligations under Dodd-Frank, all authority concerning mortgage disclosures was transferred to the Consumer Financial Protection Bureau ("CFPB"). The FRB repealed Regulation C because it was superseded by rules adopted by the CFPB. 

The FRB is also proposing amending Regulation M in order to clarify the scope of covered entities. The amendments will make clear that the FRB's Regulation M applies only to certain motor vehicle dealers that are not subject to CFPB authority. Comments on the proposal will be due 30 days after publication in the Federal Register.

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