source:
  type: regulation
  id: cfpb-rfi-mortgage-credit-2026
  authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
    FR Doc 2026-13834)
  description: CFPB Request for Information Regarding Promoting Access to Mortgage Credit (91 FR 42382,
    published July 9, 2026; Docket No. CFPB-2026-0018; FR Doc 2026-13834). Non-binding RFI issued under
    Executive Order 14393 seeking public comment on the TILA-RESPA integrated disclosures (TRID), the
    right of rescission, and reverse-mortgage disclosures. Comments due August 10, 2026. Full verbatim
    text captured from the Federal Register source.
obligations:
- id: cfpb-rfi-mortgage-credit-2026-agency-action
  canonical_id: cfpb-rfi-mortgage-credit-2026-agency-action
  section: CFPB RFI (Mortgage Credit, 2026) — Agency and Action
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Agency and Action
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
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    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: 'AGENCY: Consumer Financial Protection Bureau. ACTION: Notice; request for information.'
- id: cfpb-rfi-mortgage-credit-2026-summary
  canonical_id: cfpb-rfi-mortgage-credit-2026-summary
  section: CFPB RFI (Mortgage Credit, 2026) — Summary
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Summary
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: This notice requests information from the public about potential regulatory changes
      that may reduce regulatory burdens and promote access to mortgage credit, as appropriate and consistent
      with applicable law.
- id: cfpb-rfi-mortgage-credit-2026-summary-topics
  canonical_id: cfpb-rfi-mortgage-credit-2026-summary-topics
  section: CFPB RFI (Mortgage Credit, 2026) — Summary — Topics on Which Comment Is Sought
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Summary — Topics on Which Comment Is Sought
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: Specifically, the CFPB is requesting information on industry and consumer burdens
      related to the integrated mortgage disclosures under the Truth in Lending Act (TILA) and Real Estate
      Settlement Procedures Act (RESPA) (TILA-RESPA integrated disclosures or TRID), the right of rescission,
      and reverse mortgage disclosures.
- id: cfpb-rfi-mortgage-credit-2026-dates-comment-deadline
  canonical_id: cfpb-rfi-mortgage-credit-2026-dates-comment-deadline
  section: CFPB RFI (Mortgage Credit, 2026) — Dates — Comment Deadline
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Dates — Comment Deadline
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: Comments must be received on or before August 10, 2026.
- id: cfpb-rfi-mortgage-credit-2026-addresses-mail
  canonical_id: cfpb-rfi-mortgage-credit-2026-addresses-mail
  section: CFPB RFI (Mortgage Credit, 2026) — Addresses — Mail/Hand Delivery/Courier
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Addresses — Mail/Hand Delivery/Courier
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: 'Mail/Hand Delivery/Courier: Comment Intake--Mortgage Disclosures and Rescission
      RFI, c/o Legal Division Docket Manager, Consumer Financial Protection Bureau, 445 12th St. SW, Washington,
      DC 20024-2101.'
- id: cfpb-rfi-mortgage-credit-2026-instructions-topic-numbering
  canonical_id: cfpb-rfi-mortgage-credit-2026-instructions-topic-numbering
  section: CFPB RFI (Mortgage Credit, 2026) — Addresses — Instructions (Topic Numbering)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Addresses — Instructions (Topic Numbering)
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: Please note the number of the topic on which you are commenting at the top of each
      response (you do not need to address all topics).
- id: cfpb-rfi-mortgage-credit-2026-public-record
  canonical_id: cfpb-rfi-mortgage-credit-2026-public-record
  section: CFPB RFI (Mortgage Credit, 2026) — Addresses — Submissions Become Part of the Public Record
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Addresses — Submissions Become Part of the Public Record
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: All submissions in response to this request for information, including attachments
      and other supporting materials, will become part of the public record and subject to public disclosure.
- id: cfpb-rfi-mortgage-credit-2026-eo-14393-rescission-refi
  canonical_id: cfpb-rfi-mortgage-credit-2026-eo-14393-rescission-refi
  section: CFPB RFI (Mortgage Credit, 2026) — E.O. 14393 — Exempting Refinancing From Rescission Rights
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — E.O. 14393 — Exempting Refinancing From Rescission Rights
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: (vii) exempting rate-and-term refinancing (including cash-out refinancing) from rescission
      rights.
- id: cfpb-rfi-mortgage-credit-2026-request-for-comment-scope
  canonical_id: cfpb-rfi-mortgage-credit-2026-request-for-comment-scope
  section: CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Scope
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Request for Comment — Scope
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: This RFI is seeking comment from the public about some of those potential regulatory
      changes pertaining to (1) TILA-RESPA integrated disclosure requirements; (2) TILA rescission rights;
      and (3) reverse mortgages.
- id: cfpb-rfi-mortgage-credit-2026-question-1-timing-credit-access
  canonical_id: cfpb-rfi-mortgage-credit-2026-question-1-timing-credit-access
  section: CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 1 (Timing and Credit Access)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Request for Comment — Question 1 (Timing and Credit Access)
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: Question 1. Do the timing requirements materially affect consumers' ability to obtain
      mortgage credit? If so, in what ways and to what extent is credit availability affected?
- id: cfpb-rfi-mortgage-credit-2026-question-8-materiality-standard
  canonical_id: cfpb-rfi-mortgage-credit-2026-question-8-materiality-standard
  section: CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 8 (Materiality-Based Standards)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Request for Comment — Question 8 (Materiality-Based Standards)
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: Are there any materiality-based standards that could replace or supplement timing
      rules, recognizing TILA's timing requirements for delivery of disclosures after application and
      before consummation--including issuance of a revised disclosure upon a change in APR above the prescribed
      tolerance?
- id: cfpb-rfi-mortgage-credit-2026-question-9-rescission-refi-delay
  canonical_id: cfpb-rfi-mortgage-credit-2026-question-9-rescission-refi-delay
  section: CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 9 (Rescission and Refinance
    Funding Delay)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Request for Comment — Question 9 (Rescission and Refinance Funding Delay)
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: unduly delay loan funding for refinance transactions? If so, how could the CFPB adjust
      the right of rescission or TRID waiting periods?
- id: cfpb-rfi-mortgage-credit-2026-question-10-tolerance-thresholds
  canonical_id: cfpb-rfi-mortgage-credit-2026-question-10-tolerance-thresholds
  section: CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 10 (Tolerance Thresholds)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Request for Comment — Question 10 (Tolerance Thresholds)
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: Are there adjustments to the tolerance thresholds that could improve loan execution
      and result in improved credit access and lower consumer costs?
- id: cfpb-rfi-mortgage-credit-2026-question-17-small-banks
  canonical_id: cfpb-rfi-mortgage-credit-2026-question-17-small-banks
  section: CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 17 (Tailored TRID Rule for
    Small Banks and Credit Unions)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Request for Comment — Question 17 (Tailored TRID Rule for Small Banks and Credit
      Unions)
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: Are there unique aspects of the loan origination process performed by small banks
      and credit unions for which the CFPB should consider changes to the TRID Rule specifically tailored
      for small banks and credit unions?
- id: cfpb-rfi-mortgage-credit-2026-question-19-reverse-mortgage
  canonical_id: cfpb-rfi-mortgage-credit-2026-question-19-reverse-mortgage
  section: CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 19 (Integrated Reverse Mortgage
    Disclosures)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - cfpb
  - reg-z
  - tila
  - rfi
  - federal-register
  - full-text
  primary_source:
    tier: 1
    authority: CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018;
      FR Doc 2026-13834) — Request for Comment — Question 19 (Integrated Reverse Mortgage Disclosures)
    source_class: federal-register-text
    source_url: https://www.federalregister.gov/documents/full_text/text/2026/07/09/2026-13834.txt
    snapshot_id: a47c50c6f1ae8917
    fetched_at: '2026-07-13T02:16:20Z'
    content_hash: sha256:a0dea5f555e180cfd4826529021006079637d2241ca83b2679c89552ecaa48fc
    paragraph_quote: The CFPB is aware that the reverse mortgage industry faces significant difficulties
      applying the disclosure requirements of TILA and RESPA to reverse mortgages, in light of those transactions'
      unusual terms and features. Would integrated and tailored reverse mortgage disclosures enable consumers
      to make more informed decisions?
