{"database": "openregs", "table": "federal_register", "rows": [["2013-01809", "Appraisals for Higher-Priced Mortgage Loans", "Rule", "The Board, Bureau, FDIC, FHFA, NCUA, and OCC (collectively, the Agencies) are issuing a final rule to amend Regulation Z, which implements the Truth in Lending Act (TILA), and the official interpretation to the regulation. The revisions to Regulation Z implement a new provision requiring appraisals for \"higher-risk mortgages\" that was added to TILA by the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act or Act). For mortgages with an annual percentage rate that exceeds the average prime offer rate by a specified percentage, the final rule requires creditors to obtain an appraisal or appraisals meeting certain specified standards, provide applicants with a notification regarding the use of the appraisals, and give applicants a copy of the written appraisals used.", "2013-02-13", 2013, 2, "https://www.federalregister.gov/documents/2013/02/13/2013-01809/appraisals-for-higher-priced-mortgage-loans", "https://www.govinfo.gov/content/pkg/FR-2013-02-13/pdf/2013-01809.pdf", "Treasury Department; Comptroller of the Currency; Federal Reserve System; National Credit Union Administration; Consumer Financial Protection Bureau; Federal Housing Finance Agency", "497,80,188,335,573,174", "The Board, Bureau, FDIC, FHFA, NCUA, and OCC (collectively, the Agencies) are issuing a final rule to amend Regulation Z, which implements the Truth in Lending Act (TILA), and the official interpretation to the regulation. The revisions to Regulation Z...", null]], "columns": ["document_number", "title", "type", "abstract", "publication_date", "pub_year", "pub_month", "html_url", "pdf_url", "agency_names", "agency_ids", "excerpts", "regulation_id_numbers"], "primary_keys": ["document_number"], "primary_key_values": ["2013-01809"], "units": {}, "query_ms": 25.348712923005223, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}