On October 15, 2013, the Consumer Financial Protection Bureau (CFPB) issued CFPB Bulletin 2013-12 to provide guidance in implementing certain provisions of the 2013 Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA) Servicing Final Rules. The CFPB issued the 2013 RESPA and TILA Final Rules in January 2013, and they take effect on January 10, 2014.