This section of the FEDERAL REGISTER

contains regulatory documents having general

applicability and legal effect, most of which

are keyed to and codified in the Code of

Federal Regulations, which is published under

50 titles pursuant to 44 U.S.C. 1510.

The Code of Federal Regulations is sold by

the Superintendent of Documents. Prices of

new books are listed in the first FEDERAL

REGISTER issue of each week.

Rules and Regulations Federal Register

70105 

Vol. 77, No. 226 

Friday, November 23, 2012 

1RESPA and TILA historically have been 

implemented by regulations of the Department of 

Housing and Urban Development (HUD) under 

Regulation X and the Board of Governors of the 

Federal Reserve System (the Board) under 

Regulation Z, respectively. The Dodd-Frank Act 

generally consolidated and transferred these 

rulemaking authorities to the Bureau. 

DEPARTMENT OF ENERGY 

10 CFR Parts 429 and 430 

[Docket No. EERE–2010–BT–TP–0039] 

RIN 1904–AC01 

Energy Conservation Program: Test 

Procedures for Residential 

Dishwashers, Dehumidifiers, and 

Conventional Cooking Products; 

Correction. 

AGENCY: Office of Energy Efficiency and 

Renewable Energy, Department of 

Energy. 

ACTION: Final rule; correction. 

SUMMARY: The Department of Energy is 

correcting a final rule that appeared in 

the Federal Register of October 31, 

2012. The rule established new test 

procedures for residential dishwashers 

and dehumidifiers, and amended the 

currently applicable test procedure for 

conventional cooking products under 

the Energy Policy and Conservation Act. 

DATES: The effective date of this rule is 

December 17, 2012. 

FOR FURTHER INFORMATION CONTACT: 

Ms. Ashley Armstrong, U.S. Department 

of Energy, Office of Energy Efficiency 

and Renewable Energy, Building 

Technologies Program, EE–2J, 1000 

Independence Avenue SW., 

Washington, DC 20585–0121. 

Telephone: (202) 586–6590. Email: 

Ashley.Armstrong@ee.doe.gov. 

Ms. Elizabeth Kohl, U.S. Department of 

Energy, Office of the General Counsel, 

GC–71, 1000 Independence Avenue 

SW., Washington, DC 20585–0121. 

Telephone: (202) 586–7796. Email: 

Elizabeth.Kohl@hq.doe.gov. 

SUPPLEMENTARY INFORMATION: 

Procedural Issues and Regulatory 

Review 

The regulatory reviews conducted for 

this rulemaking are those set forth in the 

October 31, 2012 final rule. (77 FR 

65941) 

Pursuant to the Administrative 

Procedure Act, 5 U.S.C. 553(b), DOE has 

determined that notice and prior 

opportunity for comment on this rule 

are unnecessary and contrary to the 

public interest. The instruction is being 

revised to delete reference to adding 

section 3.1.3.3 because there is no 

accompanying text for such a section; 

the insertion was made in error. DOE 

has determined that there is good cause 

to waive the 30-day delay in effective 

date for these same reasons. 

Correction 

■ In FR Doc. 2012–25645, appearing on 

page 65941 in the Federal Register of 

Wednesday, October 31, 2012, the 

following correction is made: 

Appendix I to Subpart B of Part 430 

[Corrected] 

■ On page 65987, in the second column, 

the language of amendatory instruction 

11.d.4, ‘‘Adding sections 3.1.3, 3.1.3.1, 

3.1.3.2, and 3.1.3.3;’’ is corrected to read 

as follows: ‘‘Adding sections 3.1.3, 

3.1.3.1, and 3.1.3.2;’’ 

Issued in Washington, DC, on November 

16, 2012. 

Kathleen B. Hogan, 

Deputy Assistant Secretary for Energy 

Efficiency, Energy Efficiency and Renewable 

Energy. 

[FR Doc. 2012–28451 Filed 11–21–12; 8:45 am] 

BILLING CODE 6450–01–P 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

12 CFR Part 1026 

[Docket No. CFPB–2012–0045] 

RIN 3170–AA32 

Delayed Implementation of Certain 

New Mortgage Disclosures 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Final rule; official 

interpretation. 

SUMMARY: The Bureau of Consumer 

Financial Protection (Bureau) is 

amending Regulation Z (Truth in 

Lending) to, in effect, delay 

implementation of certain new mortgage 

disclosure requirements in title XIV of 

the Dodd-Frank Wall Street Reform and 

Consumer Protection Act that would 

otherwise take effect on January 21, 

2013. Instead, to avoid potential 

consumer confusion and reduce 

compliance burden for industry, the 

Bureau plans to implement these 

disclosures as part of the integrated 

mortgage disclosure forms proposed 

earlier this year, which combine certain 

disclosures that consumers receive in 

connection with applying for and 

closing on a mortgage loan under the 

Truth in Lending Act and the Real 

Estate Settlement Procedures Act. 

Accordingly, this rulemaking exempts 

persons from complying with these 

mortgage disclosure requirements and 

provides that such exemptions are 

intended to last only until the integrated 

mortgage disclosure forms take effect. 

DATES: The rule is effective on 

November 23, 2012. 

FOR FURTHER INFORMATION CONTACT: 

Michael G. Silver, Counsel; and Richard 

B. Horn, Senior Counsel, Office of 

Regulations, Consumer Financial 

Protection Bureau, 1700 G Street NW., 

Washington, DC 20552 at (202) 435– 

7700. 

SUPPLEMENTARY INFORMATION: 

I. Overview 

A. Dodd-Frank Act 

The Dodd-Frank Wall Street Reform 

and Consumer Protection Act (DoddFrank Act), Public Law 111–203, 

amended the Real Estate Settlement 

Procedures Act of 1974 (RESPA) and the 

Truth in Lending Act (TILA) to mandate 

that the Bureau of Consumer Financial 

Protection (Bureau) establish a single 

disclosure scheme for use by lenders or 

creditors in complying with certain 

mortgage disclosure requirements under 

both statutes.1 Sections 1098 and 1100A 

of the Dodd-Frank Act amended RESPA 

section 4(a) and TILA section 105(b), 

respectively, to require that the Bureau 

publish a single, integrated disclosure 

for mortgage loan transactions 

(including real estate settlement cost 

statements) which includes the 

disclosure requirements of TILA and 

sections 4 and 5 of RESPA that, taken 


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