The CFPB has published a list of counties that it determined to be “rural” or “rural or underserved” during 2016 for purposes of applying certain regulatory provisions related to mortgage loans during 2017.

Mortgage rules that refer to these lists are:

Escrow requirements under TILA/Regulation Z

Ability to repay and qualified mortgage standards under TILA/Regulation Z

High-cost mortgage and homeownership counseling amendments to TILA/Regulation Z and RESPA/Regulation X

Appraisals for higher-priced mortgage loans (HPML)