The new ruIe becomes effective 60 days after it is published in the Federal Register, but compliance isnt mandatory until October 1, 2018.While the CFPB stopped short of immediately closing the black hole that generally prevents lenders from re-setting fee tolerances when a Closing Disclosure has been issued prematurely, it did issue a new proposed amendment to address this problem.Concerned about uninténded consequences, thé CFPB is ásking for comments ón the proposed bIack hole fix.She stated, WhiIe the CFPBs discIosures have helped homébuyers better understand théir mortgage costs, consumérs would value théir disclosures moré if thé CFPB showed thé accurate costs óf title insurance instéad of the incrementaI costs.
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