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PUBLIC LAW 111–203—JULY 21, 2010 124 STAT. 2103

(2) in subsection (b)—
(A) by striking paragraph (1) and inserting the fol-
lowing:
‘‘(1) Except as provided in paragraph (6), in any case in
which the attorney general of a State has reason to believe
that an interest of the residents of the State has been or
is threatened or adversely affected by the engagement of any
person subject to a rule prescribed under subsection (a) in
practices that violate such rule, the State, as parens patriae,
may bring a civil action on behalf of its residents in an appro-
priate district court of the United States or other court of
competent jurisdiction—
‘‘(A) to enjoin that practice;
‘‘(B) to enforce compliance with the rule;
‘‘(C) to obtain damages, restitution, or other compensa-
tion on behalf of the residents of the State; or
‘‘(D) to obtain penalties and relief provided under the
Consumer Financial Protection Act of 2010, the Federal
Trade Commission Act, and such other relief as the court
deems appropriate.’’;
(B) in paragraphs (2) and (3), by striking ‘‘the primary
Federal regulator’’ each time the term appears and
inserting ‘‘the Bureau of Consumer Financial Protection
or the Commission, as appropriate’’;
(C) in paragraph (3), by inserting ‘‘and subject to sub-
title B of the Consumer Financial Protection Act of 2010,’’
after ‘‘paragraph (2),’’; and
(D) in paragraph (6), by striking ‘‘the primary Federal
regulator’’ each place that term appears and inserting ‘‘the
Bureau of Consumer Financial Protection or the Commis-
sion’’.

SEC. 1098. AMENDMENTS TO THE REAL ESTATE SETTLEMENT PROCE-
DURES ACT OF 1974.
The Real Estate Settlement Procedures Act of 1974 (12 U.S.C.
2601 et seq.) is amended—
(1) in section 3 (12 U.S.C. 2602)—
(A) in paragraph (7), by striking ‘‘and’’ at the end;
(B) in paragraph (8), by striking the period at the
end and inserting ‘‘; and’’; and
(C) by adding at the end the following:
‘‘(9) the term ‘Bureau’ means the Bureau of Consumer Definition.
Financial Protection.’’;
(2) in section 4 (12 U.S.C. 2603)—
(A) in subsection (a), by striking the first sentence Publication.
and inserting the following: ‘‘The Bureau shall publish
a single, integrated disclosure for mortgage loan trans-
actions (including real estate settlement cost statements)
which includes the disclosure requirements of this section
and section 5, in conjunction with the disclosure require-
ments of the Truth in Lending Act that, taken together,
may apply to a transaction that is subject to both or either

LAWS provisions of law. The purpose of such model disclosure shall be to facilitate compliance with the disclosure require- ments of this title and the Truth in Lending Act, andPUBLIC with on anorris VerDate Nov 24 2008 22:28 Sep 03, 2010 Jkt 089139 PO 00203 Frm 00729 Fmt 6580 Sfmt 6581 E:\PUBLAW\PUBL203.111 PUBL203