Rules on mortgage servicing
Resources to help industry understand, implement, and comply with the mortgage servicing rules.
Featured topic
On June 9, 2022, the Bureau provided flyers on the Homeowner Assistance Fund (HAF) programs that mortgage servicers may voluntarily provide to their borrowers. The flyers are provided in English as well as six other languages.
On August 4, 2021, the Bureau updated the Mortgage Servicing Small Entity Compliance Guide to include guidance on the 2021 Mortgage Servicing COVID-19 Final Rule and the 2020 Mortgage Servicing COVID-19 Interim Final Rule.
On July 2, 2021, the Bureau published a Spanish translation of the Early Intervention Written Notice Model Clauses.
Rule
Browse the mortgage servicing final rules to see specific amendments made by each final rule to Regulations Z and X. You can also view a table listing all of the Bureau’s mortgage servicing proposed and final rules.
Regulations and official interpretations
Browse Regulation X (12 CFR 1024) on: Interactive Bureau Regulations | eCFR
Browse Regulation Z (12 CFR 1026) on: Interactive Bureau Regulations | eCFR
Main RESPA and TILA provisions and official interpretations can be found in:
- § 1024.17, Escrow accounts and § 1024.37, Forced placed insurance
- § 1024.35, Error resolution procedures and § 1024.36, Requests for information
- § 1024.38, General servicing policies, procedures and requirements
- § 1024.39, Early intervention and § 1024.41, Loss mitigation procedures
- § 1026.20, Disclosure requirements regarding post-consummation events
- § 1026.36, Payment processing and § 1026.41 Periodic statements
- § 1026.40, Continuity of Contact
- Supplement I to Part 1024 and 1026 (including official interpretations for the above provisions)
Quick references
Executive summary
2021 Mortgage servicing COVID-19 rule executive summary
2016 Mortgage servicing rule executive summary
Coverage chart
Mortgage servicing rules coverage chart
Other references
Unofficial redline of the 2021 mortgage servicing COVID-19 final rule
Table listing the Bureau's mortgage servicing proposed and final rules
Small servicers and key provisions of the 2016 mortgage servicing rules
Factsheet on delinquency and the 2016 mortgage servicing rules
Proposed rule changes and related materials
Fast facts summary of the 2021 Mortgage Servicing COVID-19 Proposed Rule
Stay informed
Sign up for updates about mortgage rule implementation.
Guides
Small entity compliance guide
RESPA and TILA small entity compliance guide , version 4
Supervision and examination materials
Guides to how the Bureau will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.
See the mortgage servicing examination procedures
See the mortgage servicing special edition of Supervisory Highlights
Compliance bulletins
CFPB Bulletin 2015-03: Private Mortgage Insurance Cancellation and Termination
CFPB Bulletin 2014-01: Compliance Bulletin and Policy Guidance: Mortgage Servicing Transfers
FAQs
The Bureau provides a list of commonly asked questions and answers on particular topics to assist in understanding and complying with the Mortgage Servicing rules.
Forms
Early Intervention Written Notice Model Clauses and Translations reprinting the English model clauses from Appendix MS-4 in Regulation X and providing a Spanish translation.
Additional materials
Browse flyers servicers may want to provide to their borrowers on the Homeowner Assistance Fund (HAF) programs. Flyers are provided in multiple languages.
Browse Escrow Disclosure Public Guidance Documents that provide appendices that were removed from the CFR and converted into Public Guidance Documents by HUD’s 1996 Streamlining Final Rule.
Browse the mortgage help page which has information servicers can use to access the HUD list of homeownership counselors and counseling organizations, and the contact information for state housing finance authorities.