Are transactions encumbering 25 acres or more and vacant land exempt from the new regulations? 

25+ acre loans were exempt from RESPA under Regulation X and were only covered by TILA if the loan purpose was for personal, family or household use.  Under the new rule, effective August 1^st, 2015, the RESPA exemption has been removed pursuant to Regulation X and now the two regulations are consistent.  If the loan proceeds are for personal, family or household use, the transaction is covered by the new Rule regardless of the size of the acreage.