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 Frequently Asked Questions

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