The CFPB seems to be feeling defensive about the length of its recently-issued proposal  that combines the separate application disclosures and the separate closing disclosures required by the Real Estate Settlement Procedures Act and Truth in Lending Act into a single application disclosure and a single closing disclosure. 

The CFPB has put a new post

On July 9, 2012 the CFPB issued two significant proposed mortgage-related rulemakings under The Dodd-Frank Wall Street Reform and Consumer Protection Act.

One proposal provides for the combination of the separate application disclosures and the separate closing disclosures required by the Real Estate Settlement Procedures Act and Truth in Lending Act into a single application