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ARTICLE · 06 FEBRUARY 2013

Nutter Bank Report, January 2013

Nutter McClennen & Fish LLP
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The Consumer Financial Protection Bureau (the "CFPB") has released a final rule amending Regulation Z.

United StatesFinance and Banking
Kenneth Ehrlich
Kenneth Ehrlich
Michael Krebs
Michael Krebs
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Headlines

  1. CFPB Issues Final Rule Requiring Verification of a Borrower's Ability to Repay
  2. CFPB Rule Clarifies Dodd-Frank Act Loan Originator Compensation Requirements
  3. CFPB Exempts Most Community Banks from Certain Mortgage Servicing Rules
  4. Division of Banks Issues Guidance on Troubled Debt Restructuring Determinations
  5. Massachusetts Attorney General Clarifies Recent Debt Collection Rules
  6. Other Developments: LTOB Limits, Loan Mod Notices, Social Media and Outsourced IA

1. CFPB Issues Final Rule Requiring Verification of a Borrower's Ability to Repay

The Consumer Financial Protection Bureau (the "CFPB") has released a final rule amending Regulation Z to implement minimum underwriting standards that require mortgage lenders, including banks, to obtain and verify certain information to determine whether a consumer can afford to repay the home mortgage loan for which the consumer has applied. The final rule published on January 10, known as the

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