Real Estate Settlement Procedures Act (RESPA)
Resources to help industry participants understand, implement, and comply with the Real Estate Settlement Procedures Act (RESPA) and Regulation X.
On Oct. 7, 2020, the Bureau published a set of frequently asked questions (FAQs) discussing RESPA Section 8, and its application to Marketing Services Agreements and to Gifts and Promotional Activities.
Regulations and official interpretations
Browse Regulation X (12 CFR 1024) on: Interactive Bureau Regulations |
Main RESPA provisions and official interpretations can be found in:
- § 1024.1-.5, Scope
- § 1024.6-.13, and .16, Applications and origination of mortgage loans
- § 1024.14 and .15, Kickbacks, unearned fees, and affiliated business arrangements
- § 1024.17, Escrow Accounts
- § 1024.20, Homeownership counseling
- § 1024.30-.41, Mortgage Servicing
Supervision and examination materials
Guides to how the Bureau will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.
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The Bureau provides a list of commonly asked questions and answers on particular topics to assist in understanding and complying with RESPA and Regulation X.
Escrow disclosure appendices that were removed from the CFR and converted into Public Guidance Documents by HUD’s 1996 Streamlining Final Rule.
Specific RESPA and Regulation X provisions relating to the TRID Rule are discussed in more detail on the TILA-RESPA Integrated Disclosure page.
Specific RESPA and Regulation X provisions relating to Mortgage Servicing are discussed in more detail on the Mortgage Servicing page.