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Mortgage Servicing Rules

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

Featured topic

On March 29, 2018, the Bureau updated the Small entity compliance guide  to incorporate the changes made by the March 8, 2018, Mortgage Servicing final rule. The Bureau has also created a mortgage servicing coverage chart .

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  

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

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

Browse the mortgage help page