The mortgage loan process includes:

  • Applications for mortgage loans
  • Origination of mortgage loans
  • Title insurance
  • Conducting the settlement (or closing)
  • Escrow accounts
  • Mortgage loan servicing

The regulation covers topics such as:

  • Prohibition on kickbacks and unearned fees
  • Mortgage origination and servicing disclosures
  • Affiliated business arrangements
  • Title insurance
  • Escrow accounts
  • List of homeownership counseling organizations
  • Mortgage loan servicing requirements
  • Force-placed insurance
  • Mortgage loan servicing error resolution and borrower information requests
  • Loss mitigation

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The CFPB’s eRegulations tool is an editorial compilation of material and not an official legal edition of the Code of Federal Regulations or the Federal Register. We have made every effort to ensure the material presented in this tool is accurate, but if you are relying on it for legal research you should consult the official editions of those sources to confirm your findings. Nothing in this tool binds the Bureau or creates any rights, benefits, or defenses, substantive or procedural, that are enforceable by any party in any manner.