Rules on mortgage servicing
Resources to help industry understand, implement, and comply with the mortgage servicing rules.
Featured topic
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
2016 Mortgage servicing rule executive summary
Coverage chart
Mortgage servicing rules coverage chart
Other references
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
Email updates
Sign up for updates about mortgage rule implementation.
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
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.
Additional materials
Information servicers can use to access the HUD list of homeownership counselors and counseling organizations, and the contact information for state housing finance authorities