On November 20, the Consumer Financial Protection Bureau issued here its new, consumer road-tested, mortgage disclosure final rule and new forms.  There is a link to the study showing how consumers had significantly better understanding with the redesigned disclosures. 

The New York Times editorialized on them here as an improvement but still “disappointing,” citing the National Consumer Law Center’s criticism of the rules here.

in 2011, Fair Contracts submitted public comments to the CFPB on multiple rounds of designs.  See attached.