# Truth in Lending
> **US Federal Reserve System** · Final rule; official staff commentary. · Published 2011-03-02 · Effective 2011-04-01 · 76 FR 11319
## Document
- **Document number:** 2011-4384
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 76 FR 11319
- **CFR reference:** 12 CFR 226
- **Publication date:** 2011-03-02
- **Effective date:** 2011-04-01
- **Docket:** Regulation Z
## Abstract

The Board is publishing a final rule to amend Regulation Z, which implements the Truth in Lending Act (TILA). The final rule implements Section 1461 of the recently enacted Dodd-Frank Wall Street Reform and Consumer Protection Act. Section 1461 amends TILA to provide a separate, higher rate threshold for determining when the Board's escrow requirement applies to higher-priced mortgage loans that exceed the maximum principal obligation eligible for purchase by Freddie Mac.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2011/03/02/2011-4384/truth-in-lending)
---
*AI Analytics · CC0 1.0*