15-EA-05: CFPB - Small Creditors and Rural or Underserved Areas under Truth in Lending Act

The Consumer Financial Protection Bureau (CFPB) is proposing to change how it determines two of its small creditor exemptions under Regulation Z. Specifically, the proposal will adjust the thresholds and criteria for:   The small creditor exemption from escrow requirements for higher-priced mortgage loans; and   The "small creditor portfolio" QM exemption.


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