On November 16, the CFPB adopted a temporary exemption for certain mortgage disclosure requirements added by the Dodd-Frank Act to allow the disclosures to be implemented along with the proposal to integrate the Real Estate Settlement Procedures Act and Truth in Lending Act disclosures.  Without the temporary exemption, industry would have been required to begin providing the new disclosures as of January 21, 2013. Our legal alert on the temporary exemption includes a list of the new disclosures to which the exemption applies.