Effective Dates
By Amy Kudlacek
So you say that you're having a difficult time keeping all the recent regulatory changes straight? Well join the club! I was going crazy trying to remember the effective dates for the various regulatory changes so I put together the following list. I'm sure there will be more additions before too long.
January 5, 2009 October 1, 2009
CTR Exemption Rule changes Truth in Lending changes
HMDA rate spread rule
January 16, 2009 January 1, 2010
Portions of RESPA changes Remainder of RESPA changes
TISA changes due to new credit card rule
January 31, 2009 April 1, 2010
Elimination of the Des Moines check region Truth in Lending (escrow requirement) for site-built homes
August 7, 2009 July 1, 2010
New FDIC address on Fair Housing Poster UDAP and Truth in Lending changes due to new credit card rule
September 17, 2009 October 1, 2010
New OTS address on adverse action notices Truth in Lending (escrow requirement) for manufactured homes