SHORT TITLE; DESIGNATION AS ENUMERATED CONSUMER LAW.

SEC. 1400. SHORT TITLE; DESIGNATION AS ENUMERATED CONSUMER LAW. (a) [15 U.S.C. 1601 note] Short Title.—This title may be cited as the “Mortgage Reform and Anti-Predatory Lending Act”. (b) [12 U.S.C. 5481 note] Designation as Enumerated Consumer Law Under the Purview of the Bureau of Consumer Financial Protection.—Subtitles A, B, C, and E and sections 1471, 1472, 1475, and 1476, and the amendments made by such subtitles and sections, shall be enumerated consumer laws, as defined in section 1002, and come under the purview of the Bureau of Consumer Financial Protection for purposes of title X, including the transfer of functions and personnel under subtitle F of title X and the savings provisions of such subtitle. (c) [15 U.S.C. 1601 note] Regulations; Effective Date.— (1) Regulations.—The regulations required to be prescribed under this title or the amendments made by this title shall— (A) be prescribed in final form before the end of the 18-month period beginning on the designated transfer date; and (B) take effect not later than 12 months after the date of issuance of the regulations in final form. (2) Effective date established by rule.—Except as provided in paragraph (3), a section, or provision thereof, of this title shall take effect on the date on which the final regulations implementing such section, or provision, take effect. (3) Effective date.—A section of this title for which regulations have not been issued on the date that is 18 months after the designated transfer date shall take effect on such date.