The undersigned consumer organizations and attorneys write to urge the Consumer Financial Protection Bureau to issue a final PACE rule. Last year, we applauded the Bureau for proposing a strong rule that would ensure PACE borrowers receive critically important consumer protections under Regulation Z. But the proposed rule came five years after Congress amended the Truth in Lending Act (TILA) to require the Bureau to issue regulations on residential PACE (R-PACE) loans, and now almost a year has passed without a final rule. Further delay by the Bureau in finalizing the rule, combined with an expected delay in its effective date, will continue the harm PACE has caused and the significant risk of tax and mortgage delinquency and foreclosure to low- and moderate-income homeowners, often in communities of color.