Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)

 
Docket ID: CFPB-2012-0028
Agency: Consumer Financial Protection Bureau (CFPB)
Summary:
Sections 1032(f), 1098, and 1100A of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) direct the CFPB to issue proposed rules and forms that combine certain disclosures that consumers receive in connection with a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Consistent with this requirement, the CFPB has proposed to amend Regulation X (Real Estate Settlement Procedures Act) and Regulation Z (Truth in Lending) to establish new disclosure requirements and forms in Regulation Z for most closed-end consumer credit transactions secured by real property. In addition to combining the existing disclosure requirements and implementing new requirements in the Dodd-Frank Act, the CFPB's proposed rule provides extensive guidance regarding compliance with those requirements. The proposal had two comment periods. Comments on the proposed revisions to the definition of the finance charge and the proposed compliance date for the new Dodd-Frank Act disclosures were initially due September 7, 2012. Comments on all other aspects of the proposal were due November 6, 2012. On September 6, 2012, the CFPB issued a notice extending the comment period to November 6, 2012, for the proposed revisions to the definition of the finance charge. The CFPB published a final rule on December 31, 2013.
RIN: 3170-AA19
Impacts and Effects: None
CFR Citation: 12 CFR 1024,12 CFR 1026
Priority: Other Significant

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    Posted in the incorrect docket. This comment may be seen in CFPB-2012-0029.

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      undefined
      • See attached ex parte email dated November 11, 2013 between Kim Rosenberg of Attorneys Title and Richard Horn of the CFPB.

      • Public Submission
      • Posted:

        11/13/2013

      • ID:
        CFPB-2012-0028-2921
      • Organization:
        Attorneys Title
      • Submitter Name:
        Kim Rosenberg
      undefined
      • See attached ex parte letter received on November 6, 2013 from the American Escrow Association, the American Financial Services Association, and the Consumer Mortgage Coalition.

      • Public Submission
      • Posted:

        11/13/2013

      • ID:
        CFPB-2012-0028-2920
      • Organization:
        American Escrow Association
      • Submitter Name:
        n/a n/a
      undefined
      • See attached ex parte submission from Fannie Mae and Freddie Mac.

      • Public Submission
      • Posted:

        08/14/2013

      • ID:
        CFPB-2012-0028-2919
      • Organization:
        Fannie Mae and Freddie Mac
      • Submitter Name:
        Sheilah Goodman
      undefined
      • See attached ex parte letter on TILA-RESPA regulations from Professor Stark of JMLS and Dr. Choplin from DePaul University.

      • Public Submission
      • Posted:

        07/15/2013

      • ID:
        CFPB-2012-0028-2918
      • Organization:
        John Marshall Law School
      • Submitter Name:
        Debra Stark
      undefined
      • See attached comment letter submitted as ex parte.

      • Public Submission
      • Posted:

        07/01/2013

      • ID:
        CFPB-2012-0028-2917
      • Organization:
        n/a
      • Submitter Name:
        Theresa Kleck
      undefined
      • See attached summary of an ex parte meeting between TLTA and the CFPB on May 7, 2013.

      • Public Submission
      • Posted:

        06/28/2013

      • ID:
        CFPB-2012-0028-2916
      • Organization:
        Texas Land Title Association
      • Submitter Name:
        Leslie Midgley
      undefined
      • See attached ex parte document from Vendor Regulatory Group.

      • Public Submission
      • Posted:

        06/05/2013

      • ID:
        CFPB-2012-0028-2915
      • Organization:
        Vendor Regulatory Group
      • Submitter Name:
        n/a n/a
      undefined
      • See attached ex parte letter

      • Public Submission
      • Posted:

        06/05/2013

      • ID:
        CFPB-2012-0028-2914
      • Organization:
        Rock Solid Title, LLC
      • Submitter Name:
        Bonnie Calhoun
      undefined
      • See attached ex parte letter from Ed Perlmutter and other members of U.S. Congress.

      • Public Submission
      • Posted:

        06/05/2013

      • ID:
        CFPB-2012-0028-2913
      • Organization:
        Congress
      • Submitter Name:
        Ed Perlmutter
      undefined
      • See attached ex parte letter

      • Public Submission
      • Posted:

        06/05/2013

      • ID:
        CFPB-2012-0028-2912
      • Organization:
        Congress
      • Submitter Name:
        Steve Stivers
      undefined
      • See attached summary of an ex parte meeting between Fannie Mae, Freddie Mac, FHFA, and the CFPB on March 7, 2013.

      • Public Submission
      • Posted:

        06/05/2013

      • ID:
        CFPB-2012-0028-2911
      • Organization:
        Fannie Mae and Freddie Mac
      • Submitter Name:
        Sheilah Goodman
      undefined
      • See attached ex parte comment letter

      • Public Submission
      • Posted:

        04/10/2013

      • ID:
        CFPB-2012-0028-2910
      • Organization:
        Soft Pro Corp.
      • Submitter Name:
        Leslie Wyatt
      undefined
      • See attached ex parte file.

      • Public Submission
      • Posted:

        03/22/2013

      • ID:
        CFPB-2012-0028-2909
      • Organization:
        Stewart Title Guaranty Company
      • Submitter Name:
        John Killea
      undefined
      • see attached file.

      • Public Submission
      • Posted:

        01/22/2013

      • ID:
        CFPB-2012-0028-2908
      • Organization:
        Real Estate Services Providers Council, Inc.
      • Submitter Name:
        Sue Johnson
      undefined
      • See attached ex parte memo regarding a meeting on December 28, 2012 between Richard Horn of the CFPB and representatives from Bank of America

      • Public Submission
      • Posted:

        01/22/2013

      • ID:
        CFPB-2012-0028-2907
      • Organization:
        Bank of America
      • Submitter Name:
        Richard Horn
      undefined
      • See attached file regarding a December 3, 2012 meeting between representatives from NAFCU and Federal Reserve Vice Chair Janet Yellen.

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0028-2906
      • Organization:
        National Association of Federal Credit Unions
      • Submitter Name:
        Katie Ross
      undefined
      • See attached file

      • Public Submission
      • Posted:

        01/08/2013

      • ID:
        CFPB-2012-0028-2905
      • Organization:
        Wolters Kluwer
      • Submitter Name:
        Jeanne Erickson
      • My name is Laura S. Temple, I am an attorney with Homesley & Wingo Law Group PLLC. We are a small, general practice law firm of five attorneys. In North Carolina, attorneys...

      • Public Submission
      • Posted:

        12/20/2012

      • ID:
        CFPB-2012-0028-2904
      • Organization:
        Homesley & Wingo Law Group PLLC
      • Submitter Name:
        Laura Temple
      • I am a legal assistant for a law firm in Richmond County, North Carolina and have assisted in closing loans for the past thirty-six (36) years. Even through these terrible...

      • Public Submission
      • Posted:

        12/20/2012

      • ID:
        CFPB-2012-0028-2903
      • Organization:
        Pittman & Davis, Attorneys
      • Submitter Name:
        Becky James
      • • Disclosure Format - the CFPB did a good job improving the disclosure to include cash to close and total monthly payments for consumers. This will help consumers better manage...

      • Public Submission
      • Posted:

        12/20/2012

      • ID:
        CFPB-2012-0028-2902
      • Organization:
        Peninsula Mortgage, Inc.
      • Submitter Name:
        Alvin Kruebbe
      undefined
      • See attached ex parte communication between James Novak of QBE and Jane Gao and Mitch Hochberg of the CFPB.

      • Public Submission
      • Posted:

        12/03/2012

      • ID:
        CFPB-2012-0028-2901
      • Organization:
        QBE First Financial Institution Risk Services, Inc.
      • Submitter Name:
        James Novak
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        12/03/2012

      • ID:
        CFPB-2012-0028-2900
      • Organization:
        Office of the Illinois Attorney General
      • Submitter Name:
        Deborah Hagan
      undefined
      • See attached file

      • Public Submission
      • Posted:

        11/28/2012

      • ID:
        CFPB-2012-0028-2899
      • Organization:
        United Title of Louisiana, Inc.
      • Submitter Name:
        Bill Peatross
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/28/2012

      • ID:
        CFPB-2012-0028-2898
      • Organization:
        1st Service Title and Closing
      • Submitter Name:
        Heidi Zimmer-Koschnick
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/28/2012

      • ID:
        CFPB-2012-0028-2897
      • Organization:
        Surety Land Title, Inc.
      • Submitter Name:
        Lindsey Gilder
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/28/2012

      • ID:
        CFPB-2012-0028-2896
      • Organization:
        Surety Land Title, Inc.
      • Submitter Name:
        Susan Gilder
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2895
      • Organization:
        Surety Land Title, Inc.
      • Submitter Name:
        Russell Blount, Jr.
      undefined
      • See the attached letters from employees of Boone-Central Title Company Jody Blythe, Paula Johnson, Cara Wray, Joe Benoit, Paul Blythe, Ashley Smarr and Cindy Falco.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2894
      • Organization:
        Boone-Central Title Company
      • Submitter Name:
        Jody Blythe
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2893
      • Organization:
        Title Agency Inc.
      • Submitter Name:
        Peggy Dombrowski
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2892
      • Organization:
        Title Agency Inc.
      • Submitter Name:
        Robert Nieltopp
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2891
      • Organization:
        Title Agency Inc.
      • Submitter Name:
        Joseph Litwienski
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2890
      • Organization:
        Title Agency Inc.
      • Submitter Name:
        Linda Burkard
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2889
      • Organization:
        Title Underwriters Agency
      • Submitter Name:
        Chad Black
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2888
      • Organization:
        Title Underwriters Agency
      • Submitter Name:
        Carla Mizner
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2887
      • Organization:
        Title Underwriters Agency
      • Submitter Name:
        Nancy Joley
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2886
      • Organization:
        Title Underwriters Agency
      • Submitter Name:
        Stephanie Cannon
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2885
      • Organization:
        Sun Valley Title Company
      • Submitter Name:
        Cassie Jones
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2884
      • Organization:
        Southwest Abstract Co., Inc.
      • Submitter Name:
        Lynne Griffith
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2883
      • Organization:
        LH Settlement Services, LLC
      • Submitter Name:
        Lori Hahn
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2882
      • Organization:
        Landsearch & Settlement, Inc.
      • Submitter Name:
        Mary Charon
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2881
      • Organization:
        Full Service Title & Escrow LLC
      • Submitter Name:
        Jerry Jelincic
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2880
      • Organization:
        First Community Title Company
      • Submitter Name:
        Claire Hartman
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2879
      • Organization:
        DCA Title
      • Submitter Name:
        Debbie Berg
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2878
      • Organization:
        Dunn County Abstract & Title, Inc.
      • Submitter Name:
        Jane Roberts
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2877
      • Organization:
        First Centennial Title Company of Nevada
      • Submitter Name:
        Jeanette Williams
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2876
      • Organization:
        Gunster, Yoakley & Stewart P.A.
      • Submitter Name:
        Robert Graham
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2875
      • Organization:
        DCA Title
      • Submitter Name:
        Mary Whealdon
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2874
      • Organization:
        Crescent Land Title Company
      • Submitter Name:
        Kirk Brown
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2873
      • Organization:
        Counsel Abstract
      • Submitter Name:
        Diane Priola
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2872
      • Organization:
        Chicago Title Insurance Company
      • Submitter Name:
        Mike Lisanti
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2871
      • Organization:
        Basin Land Title and Abstract, Inc.
      • Submitter Name:
        John Oberhansly
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/27/2012

      • ID:
        CFPB-2012-0028-2870
      • Organization:
        Arrowhead Abstract & Title Co.
      • Submitter Name:
        Edie Michalski
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2869
      • Organization:
        Greater Illinois Title Company
      • Submitter Name:
        Tony Chiong
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2868
      • Organization:
        Title Agency Inc.
      • Submitter Name:
        Jason Dombrowski
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2867
      • Organization:
        1st Service Title & Closing
      • Submitter Name:
        Kristi Fischer
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2866
      • Organization:
        Chicago Title Insurance Company
      • Submitter Name:
        Mary Moran
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2865
      • Organization:
        University Title Company
      • Submitter Name:
        Karen McCarroll
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2864
      • Organization:
        Minnetonka Title
      • Submitter Name:
        Dan Fazendin
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2863
      • Organization:
        American Title Abstract Corp.
      • Submitter Name:
        Lorraine Newman
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2862
      • Organization:
        Olson, Grabill & Flitcraft
      • Submitter Name:
        Edward Grabill
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2861
      • Organization:
        Watermark Title Agency
      • Submitter Name:
        Zeb Haney
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/21/2012

      • ID:
        CFPB-2012-0028-2860
      • Organization:
        1st Service Title & Closing
      • Submitter Name:
        Jeanette Liesen
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/20/2012

      • ID:
        CFPB-2012-0028-2859
      • Organization:
        Liberty Title
      • Submitter Name:
        Thomas Richardson
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/20/2012

      • ID:
        CFPB-2012-0028-2858
      • Organization:
        Moscow Title
      • Submitter Name:
        Stephen Bush
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/20/2012

      • ID:
        CFPB-2012-0028-2857
      • Organization:
        Lyons Law Firm, P.A.
      • Submitter Name:
        Thomas Lyons
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/20/2012

      • ID:
        CFPB-2012-0028-2856
      • Organization:
        Consumer Justice Center, P.A.
      • Submitter Name:
        Thomas Lyons, Jr.
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/15/2012

      • ID:
        CFPB-2012-0028-2855
      • Organization:
        Kansas Bankers Association
      • Submitter Name:
        Charles Stones
      Posted in the incorrect docket. This comment may be seen in CFPB-2012-0029.
      • WITHDRAWN
      • ID:
        CFPB-2012-0028-2854
      • Organization:
      • Submitter Name:
      • Title companies should promulgate the Closing Disclosure for several reasons. (1) Title companies provide a professional, unbiased, third party quality control for the protection...

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2853
      • Organization:
        Abstract and Title Companies
      • Submitter Name:
        Kimberly Theiss
      • While I appreciate the opportunity to comment I am a small business and do not have the resources necessary to read 343 pages and consider over 112 requests for input but what I do...

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2852
      • Organization:
        APMC
      • Submitter Name:
        Gregory Stewart
      • Positive Comments: 1. The "Contact Information" section on the Closing Disclosure is a great addition. It allows the borrower access to all parties to the transaction...

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2851
      • Organization:
        Continental Title
      • Submitter Name:
        Kristian Rayos
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2850
      • Organization:
        East Texas Compliance Group
      • Submitter Name:
        East Texas Compliance Group
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2849
      • Organization:
        Battle, Winslow, Scott & Wiley, P.A.
      • Submitter Name:
        Jacob Parrott III
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2848
      • Organization:
        Alaska USA Federal Credit Union
      • Submitter Name:
        Dan McCue
      undefined
      • See attached file from The Title, Conveyancing and Bar-Related Committee of the General Practice, Small and Solo Division of the ABA.

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2847
      • Organization:
        American Bar Association
      • Submitter Name:
        Julius Zschau
      undefined
      • see attached file(s)

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2846
      • Organization:
        House Committee on Small Business
      • Submitter Name:
        Viktoria Ziebarth
      undefined
      • see attached file(s)

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2845
      • Organization:
        National Consumer Law Center
      • Submitter Name:
        Diane Thompson
      undefined
      • see attached file(s)

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2844
      • Organization:
        National Consumer Law Center
      • Submitter Name:
        Lauren Saunders
      undefined
      • see attached.

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2843
      • Organization:
        American Society of Appraisers
      • Submitter Name:
        John Russell
      • The fees related to Title Insurance should not be shown as “optional”. That should not be the purpose of the Closing Disclosure, if a consumer it electing not to buy Title...

      • Public Submission
      • Posted:

        11/14/2012

      • ID:
        CFPB-2012-0028-2842
      • Organization:
        First American Title Insurance Company
      • Submitter Name:
        Anita Wilson
      undefined
      • The average loan package is just about 200 pages already. It is full of disclosures and all the great reasons one side can't sue the other. The more paper you add the more the...

      • Public Submission
      • Posted:

        11/13/2012

      • ID:
        CFPB-2012-0028-2841
      • Organization:
        Family Abstract.com
      • Submitter Name:
        Glenn Freezman
      undefined
      • Please see the attached letter. Thank you so much for taking the time to review.

      • Public Submission
      • Posted:

        11/13/2012

      • ID:
        CFPB-2012-0028-2840
      • Organization:
        Submitted Individually
      • Submitter Name:
        Matthew Breston
      • The mortgage lenders have a huge role in the overall process of selling property; however, the lender is NOT the appropriate entity to prepare the HUD 1's for our transactions...

      • Public Submission
      • Posted:

        11/13/2012

      • ID:
        CFPB-2012-0028-2839
      • Organization:
        RE/MAX Highland Lakes
      • Submitter Name:
        Linda Moreau
      undefined
      • A borrower is allowed to waive the seven-business-day waiting period (between delivery of the Loan Estimate and closing) in the event of a bona fide personal financial emergency...

      • Public Submission
      • Posted:

        11/13/2012

      • ID:
        CFPB-2012-0028-2838
      • Organization:
        Not applicable
      • Submitter Name:
        Janet Minke
      undefined
      • see uploaded file

      • Public Submission
      • Posted:

        11/13/2012

      • ID:
        CFPB-2012-0028-2837
      • Organization:
        Hale County Abstract Co.
      • Submitter Name:
        Deliece Harrison
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        11/13/2012

      • ID:
        CFPB-2012-0028-2836
      • Organization:
        Western Title
      • Submitter Name:
        Chrissy Patterson
      • Thank You for the opportunity to comment. I am concerned about the regulations for Lenders Title insurance and for Owner's Title Insurance As I understand the regulations the...

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2835
      • Organization:
        Escrow Essentials -
      • Submitter Name:
        David Shean
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2834
      • Organization:
        Midtown Abstract
      • Submitter Name:
        Anthony Sortino
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2833
      • Organization:
        Bank of Charlotte County
      • Submitter Name:
        Bobby Howard
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2832
      • Organization:
        Sterling Federal Credit Union
      • Submitter Name:
        Dan Kaus
      • While I appreciate the opportunity to comment I am a small business and do not have the resources necessary to read 343 pages and consider over 112 requests for input but what I do...

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2831
      • Organization:
        C2 Financial Corporation
      • Submitter Name:
        Shawn Sidhu
      • I live in the Escrow Closing (Not a Round Table Closing) State of California where routinely the closing process includes separate entities for Lender, Settlement Agent and Title...

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2830
      • Organization:
        Escrow Essentials
      • Submitter Name:
        David Shean
      • The 2010 GFE should have included purchase price/payoff amount, seller concessions, total cash to close, and total PITI payment. Breakdown on the title fees is a good thing. The...

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2829
      • Organization:
        Integrity Title & Settlement, LLC
      • Submitter Name:
        Lisa Clyburn
      • As the owner of a small title insurance agency in Pennsylvania, I have first-hand knowledge which allows me to inform you that the Proposed Rule should it become final will cause...

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2828
      • Organization:
        Community First Abstract
      • Submitter Name:
        Francine Wirsching, ALTP
      • Comments to the Consumer Financial Protection Bureau Due by November 6, 2012 Introduction My name is Matthew Bishop; I am currently a Regional Sales Manager for the Escrow...

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2827
      • Organization:
        SMS
      • Submitter Name:
        Matthew Bishop
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2826
      • Organization:
        Edina Realty Title, Inc.
      • Submitter Name:
        Allison Pinkerton
      • APR Regarding including title insurance and other non-lender costs in the APR, as a title industry professional, I believe this inclusion could harm consumers because these charges...

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2825
      • Organization:
        Kendall County Abstract Company
      • Submitter Name:
        Tiffany Boerner
      • In regards to the proposed CFPB Closing Disclosure Form there are several issues which I desire to address. The proposed changes will result in higher costs. Additional...

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2824
      • Organization:
        Lawyers Title/Middle Peninsula-Northern Neck Agency, Inc.
      • Submitter Name:
        Edward Harrow, Jr.
      • Monica Jackson Office of the Executive Secretary Consumer Financial Protection Bureau 1700 G Street NW. Washington, DC 20552 RE: Docket No. CFPB-2012- 0028 Dear Ms...

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2823
      • Organization:
        Edina Realty Title, Inc.
      • Submitter Name:
        Christine Videen
      undefined
      • See attached file.

      • Public Submission
      • Posted:

        11/09/2012

      • ID:
        CFPB-2012-0028-2822
      • Organization:
        Ag First Farm Credit Bank
      • Submitter Name:
        Elizabeth Malan
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