The CFPB, Federal Reserve Board, FDIC, FHFA, NCUA, and OCC (collectively, “the Agencies”) published in the Federal Register on August 8, 2013 proposed amendments to the final rule in Regulation Z that requires appraisals for “higher-risk mortgages.” Specifically, the Agencies propose several exemptions to the appraisal requirements for higher-priced mortgage loans for: (i) transactions secured solely by an existing or used manufactured home (in addition to the exemption for transactions secured by new manufactured homes) and not land; (ii) certain “streamlined” refinancings; and (ii) extensions of credit in the amount of $25,000 or less, indexed annually for inflation. Comments for this proposal must be received on or before September 9, 2013.