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Rules on mortgage servicing

Resources to help industry understand, implement, and comply with the mortgage servicing rules.

Featured topic

On July 2, 2021, the Bureau published a Spanish translation of the Early Intervention Written Notice Model Clauses.

On June 28, 2021, the Bureau issued the 2021 Mortgage Servicing COVID-19 Final Rule. The Bureau also provided an Executive Summary and Unofficial Redline of the Rule.

On June 23, 2020, the Bureau published an Interim Final Rule regarding loss mitigation requirements during the COVID-19 emergency.

In April 2020, the Bureau also published COVID-19 related mortgage servicing rules FAQs and joined the federal financial institution regulators and state regulators in issuing a COVID-19 emergency joint policy statement .

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

Unofficial redline of the proposed amendments to Regulation X from the 2021 Mortgage Servicing COVID-19 Proposed Rule

Guides

Small entity compliance guide

RESPA and TILA small entity compliance guide , version 3.2

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

Browse 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.

Browse all FAQ topics

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

Escrow disclosure appendices that were removed from the CFR and converted into Public Guidance Documents by HUD’s 1996 Streamlining Final Rule.

Browse Escrow Disclosure Public Guidance Documents

Information servicers can use to access the HUD list of homeownership counselors and counseling organizations, and the contact information for state housing finance authorities

Browse the mortgage help page