RESPA is nearly a 40-year-old law and over the years, the U.S. Department of Housing and Urban Development (HUD) has developed a stockpile of guidance that still can be helpful in finding answers to your RESPA questions.
The Consumer Financial Protection Bureau (CFPB) took over regulatory authority of RESPA in July 2011. Before that, HUD was the RESPA regulator, and during its time as the RESPA regulatory agency, HUD provided guidance, issued statements of policy and entered into settlement agreements. When the CFPB took over, it said that it would apply the official commentary, guidance and policy statements issued by the agencies that regulated the laws it was inheriting.
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