CFPB Final Rule

The Consumer Financial Protection Bureau (CFPB) was created under Dodd-Frank to govern transactions dealing with residential real estate lending, among many other things. Granted with rule-making and enforcement powers the CFPB issued a 1,099 page rule on July 9, 2012 and on November 20, 2013, CFPB issued the Final Rule. Additional information can be found here:

CFPB Final Rule Summary Document Released November 20, 2013
CFPB Final Rule Released November 20, 2013
CFPB's Integrated Mortgage Disclosures Website
CFPB Proposed Rule Released July 09, 2013