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The Consumer Financial Protection Bureau (Bureau) is issuing a final rule implementing an. amendment to the Equal Credit Opportunity Act (ECOA) regarding furnishing copies of. appraisals and other written valuations to applicants for first lien loans secured by a dwelling. The rule will become effective on January 18, 2014. BACKGROUND.
Summary: The Truth in Savings Act (TISA) was enacted as Title II of the Federal Deposit Insurance Corporation Act of 1991, Pub.L. No. 102-242,105, Stat. 2236(1991), (12 USC Â§ 4301, et, seq.), and is implemented by the Federal Reserveâs Regulation DD, (12 CFR Â§ 230 et seq.), and by NCUA regulations for credit unions.