After publishing 1,888 pages detailing new mortgage disclosures, the Consumer Financial Protection Bureau's failure to file a required two-page form with Congress on time forced a delay of the rules' effective date.

Under the Congressional Review Act, Congress and the Government Accountability Office must receive any new rule at least 60 calendar days before it takes effect, barring an emergency. But the CFPB failed to submit its notice until Tuesday, according to Robert Cramer, associate general counsel at the GAO.

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