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The Bureau of Financial Institutions and the Bureau of Consumer Credit Protection recently proposed rulemaking for Regulation Z-3.  After considering comments, the Bureaus recently adopted this rule with no substantive changes.  The effective date of Regulation Z-3 is today, October 15, 2013. 

Please note that the mandatory compliance dates for the federal truth-in-lending requirements incorporated by reference Regulation Z-3 are, or will be, the same as the federal mandatory compliance dates for these federal Regulation Z rulemakings.

Attached is the link to Regulation Z-3 with an effective date of October 15, 2013.

Lloyd P. LaFountain III

Superintendent of Financial Institutions

Gardiner, Maine

October 15, 2013


Last Updated: November 8, 2018