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Each depositor insured to at least $250,000 per insured bank

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December 30, 2016

550 Seventeenth Street, N.W.
Washington, D.C. 20429

Supplement Highlights

Quid Pro Quo and Hostile Environment Harassment and Liability for Discriminatory Housing Practices Under the Fair Housing Act. This final rule amended HUD's fair housing regulations to formalize standards for use in investigations and adjudications involving allegations of harassment on the basis of race, color, religion, national origin, sex, familial status, or disability. The rule specifies how HUD will evaluate complaints of quid pro quo (``this for that'') harassment and hostile environment harassment under the Fair Housing Act. It will also provide for uniform treatment of Fair Housing Act claims raising allegations of quid pro quo and hostile environment harassment in judicial and administrative forums. This rule defines ``quid pro quo'' and ``hostile environment harassment,'' as prohibited under the Fair Housing Act, and provides illustrations of discriminatory housing practices that constitute such harassment. In addition, this rule clarifies the operation of traditional principles of direct and vicarious liability in the Fair Housing Act context. 81 Fed. Reg. 63074.

See pages 6379–6380.02

Electronic Fund Transfers (Regulation. The Bureau of Consumer Financial Protection (Bureau) made certain clerical and non-substantive corrections to errors it has identified in Regulation E, which implements the Electronic Fund Transfer Act. 81 Fed. Reg. 70320.

See pages 6653–6654, 6702.19–6702.20, 6702.25–6702.26, 6702.29–6702.30

Regulatory Capital Rules, Liquidity Coverage Ratio: Revisions to the Definition of Qualifying Master Netting Agreement and Related Definitions. The FDIC adopted a final rule that amends the definition of ``qualifying master netting agreement'' under the regulatory capital rules and the liquidity coverage ratio rule. In this final rule, the FDIC also is amending the definitions of ``collateral agreement,'' ``eligible margin loan,'' and ``repo-style transaction'' under the regulatory capital rules. These amendments are designed to ensure that the regulatory capital and liquidity treatment of certain financial contracts generally would not be affected by implementation of special resolution regimes in non-U.S. jurisdictions that are substantially similar to the U.S. resolution framework or by changes to the International Swaps and Derivative Association (ISDA) Master Agreement that provide for contractual submission to such regimes. The Office of the Comptroller of the Currency (OCC) and the Board of Governors of the Federal Reserve System (Federal Reserve) issued in December 2014, a joint interim final rule that is substantially identical to this final rule. 81 Fed. Reg. 71354.

See pages 2240.11–2240.18, 2240.23–2240.28-A, 2240.29–2240.32, 2240.35–2240.52, 2240.93–2240.994, 2240.99–2240.100, 2240.131–2240.134, 2240.165–2240.168, 2240.183–2240.184, and 2307–2308

Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z). The Bureau of Consumer Financial Protection (Bureau) amended certain mortgage servicing rules issued by the Bureau in 2013. This final rule clarifies, revises, or amends provisions regarding force-placed insurance notices, policies and procedures, early intervention, and loss mitigation requirements under Regulation X's servicing provisions; and prompt crediting and periodic statement requirements under Regulation Z's servicing provisions. The final rule also addresses proper compliance regarding certain servicing requirements when a person is a potential or confirmed successor in interest, is a debtor in bankruptcy, or sends a cease communication request under the Fair Debt Collection Practices Act. The final rule also makes technical corrections to several provisions of Regulations X and Z. The Bureau is issuing concurrently with this final rule an interpretive rule under the Fair Debt Collection Practices Act relating to servicers' compliance with certain mortgage servicing rules. 81 Fed. Reg. 72370.

See pages 6897–6902, 6911–6918.14, 6919–6920, 6949–6950.25, 6955–6958, 7006.09–7006.10, 7024.01–7024.04, 7025–7026, 7029–7032.02, 7103–7104.01, 7107–7110, 7119–7122, 7136.91–7136.92, 7163–7164, 7171–7172, 7320.03–7320.04

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