CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018; FR Doc 2026-13834)
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.
Verbatim regulatory text
Verbatim provisions from CFPB RFI — Promoting Access to Mortgage Credit (91 FR 42382, July 9, 2026; Docket CFPB-2026-0018; FR Doc 2026-13834) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
CFPB RFI (Mortgage Credit, 2026) — Agency and Action
AGENCY: Consumer Financial Protection Bureau. ACTION: Notice; request for information.
CFPB RFI (Mortgage Credit, 2026) — Summary
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.
CFPB RFI (Mortgage Credit, 2026) — Summary — Topics on Which Comment Is Sought
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.
CFPB RFI (Mortgage Credit, 2026) — Dates — Comment Deadline
Comments must be received on or before August 10, 2026.
CFPB RFI (Mortgage Credit, 2026) — Addresses — Mail/Hand Delivery/Courier
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.
CFPB RFI (Mortgage Credit, 2026) — Addresses — Instructions (Topic Numbering)
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).
CFPB RFI (Mortgage Credit, 2026) — Addresses — Submissions Become Part of the Public Record
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.
CFPB RFI (Mortgage Credit, 2026) — E.O. 14393 — Exempting Refinancing From Rescission Rights
(vii) exempting rate-and-term refinancing (including cash-out refinancing) from rescission rights.
CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Scope
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.
CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 1 (Timing and Credit Access)
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?
CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 8 (Materiality-Based Standards)
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?
CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 9 (Rescission and Refinance Funding Delay)
unduly delay loan funding for refinance transactions? If so, how could the CFPB adjust the right of rescission or TRID waiting periods?
CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 10 (Tolerance Thresholds)
Are there adjustments to the tolerance thresholds that could improve loan execution and result in improved credit access and lower consumer costs?
CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 17 (Tailored TRID Rule for Small Banks and Credit Unions)
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?
CFPB RFI (Mortgage Credit, 2026) — Request for Comment — Question 19 (Integrated Reverse Mortgage Disclosures)
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?