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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.

Featured topic

On September 1, 2023, the CFPB released a non-exhaustive list of HUD-issued official rules, interpretations, or policy statements that continue to be applied today by the CFPB.

Regulations and official interpretations

Browse Regulation X (12 CFR 1024) on: Interactive Bureau Regulations | eCFR

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

Guides

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 Real Estate Settlement Procedures Act (RESPA) examination procedures

See the Mortgage Origination examination procedures

See the Mortgage Servicing examination procedures

Policy Guidance on Supervisory and Enforcement Considerations Relevant to Mortgage Brokers Transitioning to Mini-Correspondent Lenders

Compliance Bulletins

CFPB Bulletin 2015-05: RESPA compliance and marketing services agreements

Advisory Opinions

Advisory Opinion: Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators under RESPA

FAQs

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.

Browse all FAQ topics

Additional materials

A non-exhaustive list of HUD-issued official rules, interpretations, or policy statements that continue to be applied today by the CFPB.

Browse Other Applicable RESPA Documents: HUD Documents

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

Specific RESPA and Regulation X provisions relating to the TRID Rule are discussed in more detail on the TILA-RESPA Integrated Disclosure page.

Browse TRID page.

Specific RESPA and Regulation X provisions relating to Mortgage Servicing are discussed in more detail on the Mortgage Servicing page.

Browse Mortgage Servicing page.