In September 2020, the Federal Financial Institutions Examination Council (FFIEC) adopted revised interagency examination procedures for the Truth-in- Lending Act (TILA), implemented by Regulation Z. The revised interagency procedures reflect amendments to Regulation Z published in the Federal Register through May 18, 2018, including procedures that reflect amendments to:

• Regulation Z that relate to the TILA-RESPA Integrated Mortgage Disclosure Rule

• TILA relating to the Economic Growth, Regulatory Relief, and Consumer Protection Act, including:

  • provisions relating to high-cost loans, appraisals, and student lending
  • an additional type of qualified mortgage for insured depository institutions with less than $10 billion in assets; and
  • an additional type of escrow exemption for insured depository institutions with less than $10 billion in assets.
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