Back to top
Join us on LinkedIn Follow us on Twitter Like us on Facebook Follow us on Instagram
 
  OCTOBER RESEARCH STORE Already a subscriber? LOG IN
AddControlToContainer_DynamicNavigation5

News By Edition


RESPA News Monthly <br> September 2013

RESPA News Monthly Edition
RESPA News Monthly
September 2013
Already a subscriber? Login to read this edition.
User Name:
Password:
Forgot your password?

This month RESPA News takes a look at markups and explains why some courts consider markups to be a violation of RESPA, while others do not. RESPA News also reviews when gift giving can violate RESPA and the importance of providing an AfBA disclosure. We tell you about a standing lawsuit that could affect RESPA actions. In addition this month, we analyze whether AfBAs are still a viable option and explain why it’s important for mortgage personnel to understand RESPA. We cover the importance of having good record retention procedures in place and explain why a lawsuit challenging the CFPB was dismissed. In this September edition, RESPA News covers a report by the CFPB, indicating that it found several RESPA violations when conducting reviews of mortgage servicers. We tell you about the latest enforcement actions and review recent case law. We take a look at some recent TILA and SAFE Act issues. Also this month, we provide you with informative RESPA tips. Be sure to check out the September 2013 issue for these articles and more.



 
QRM to align with QM under rule?
Posted Date: Wednesday, August 28, 2013
Regulators are proposing to harmonize the definitions of qualified residential mortgage and qualified mortgage. In the 505-page reproposed risk retention rule, the Federal Deposit Insurance Corp. seeks to base the QRM definition on the Consumer Financial Protection Bureau’s QM framework. The reproposal also requests public comment on whether regulators should narrow the QRM definition by imposing loan-to-value ratio and other standards that do not appear in the QM rule.

 
CFPB announces more leadership hires
Posted Date: Wednesday, August 28, 2013
The Consumer Financial Protection Bureau announced the addition of several new members to leadership positions within the bureau, including a deputy assistant director for the Office of Regulations.

 
CFPB collects more than $61 million in civil penalties
Posted Date: Wednesday, August 28, 2013
Under the Dodd-Frank Act, the Consumer Financial Protection Bureau is authorized to collect significant civil penalties for violations of consumer protection laws. A report released by the bureau indicates that the agency has no qualms about using its enforcement powers to collect extensive penalties. According to the report, the CFPB collected $61.5 million in civil money penalties from July 2011 to June 2013.

 
Borrower alleges lender violated RESPA each time it collected a mortgage payment
Posted Date: Wednesday, August 28, 2013
A borrower sued his lender, alleging that the bank violated RESPA by paying kickbacks to its agents. He filed his suit well beyond RESPA’s one-year statute of limitations, but argued that his claims should be tolled. In support of his argument, he claimed that each mortgage payment the lender collected from him was a continuous violation. Read on to find out more.

 
Force-placed insurance still being scrutinized by New York
Posted Date: Wednesday, August 28, 2013
The New York State Department of Financial Services sent an Aug. 21 letter to all licensed insurance producers warning them that force-placed insurance tracking services violate New York insurance law.

 
Social media strategies for title professionals - Webinar
Posted Date: Monday, August 26, 2013
The Title Report and sponsor North American Title Insurance Co. are offering a 90-minute webinar on Sept. 12 to train title professionals on how to take their social marketing to the next level. This webinar will provide instruction on which social media sites to utilize, their practical applications and how to build trust among clients.

 
How are your record retention procedures?
Posted Date: Monday, August 26, 2013
If you regularly work with RESPA disclosures like the Good Faith Estimate and HUD-1 Settlement Statement, then you know that you have to retain the forms in your records for a certain period of time. In the future, when the Consumer Financial Protection Bureau releases the final RESPA/Truth in Lending Act integrated disclosure rule, those time-periods are likely to change, and with the bureau cracking down on regulatory compliance, it’s a good idea to know how long records must be retained and what your company’s record retention procedures are.

 
8th Circuit finds rescission right ended at foreclosure sale
Posted Date: Monday, August 26, 2013
When a group of borrowers filed a lawsuit, alleging that they notified their lender in writing that they were rescinding their loan under the Truth in Lending Act, the 8th U.S. Circuit Court of Appeals determined that right of rescission terminated when the home was sold through foreclosure.

 
Morgan Drexen asks court for restraining order against CFPB
Posted Date: Monday, August 26, 2013
Morgan Drexen Inc. filed a lawsuit against the Consumer Financial Protection Bureau on July 22, alleging that the CFPB’s structure is unconstitutional. At the time the suit was filed, the CFPB was investigating the company for its alleged debt settlement services and considering an enforcement action. According to the company, the District Court for the District of Columbia told the bureau that it should hold any enforcement action until it determined whether the CFPB is unconstitutional. However, the bureau filed a lawsuit against Morgan Drexen on Aug. 20 in California federal court. Now, the company is asking the D.C. district court to stop the bureau’s enforcement action.

 
“In general, the lender or mortgage broker should provide the special information booklet at application.”
Posted Date: Thursday, August 22, 2013

 
Title agencies lose registration for alleged RESPA violations, sue regulator
Posted Date: Thursday, August 22, 2013
Two Illinois title agencies who had their registrations permanently revoked for alleged RESPA violations sued the state’s Department of Professional Regulation. After a trial court affirmed the actions of the department, the agencies appealed, arguing that their due process rights were violated in the administrative proceedings. Read on for the opinion of the Appellate Court of Illinois, First District, Second Division.

 
Morgan Drexen sued for allegedly deceiving consumers
Posted Date: Thursday, August 22, 2013
The Consumer Financial Protection Bureau filed a lawsuit in federal district court on August 20 against a Nevada corporation, Morgan Drexen Inc., and its president and chief executive officer, Walter Ledda, alleging the company charged illegal upfront fees and deceived consumers. The CFPB says the company falsely claims that it does not charge consumers upfront fees for debt-relief services and falsely represents to consumers that they will become debt free in months if they work with Morgan Drexen.

 
Mortgage servicing risks highlighted in CFPB report
Posted Date: Thursday, August 22, 2013
When the Consumer Financial Protection Bureau assumed authority to regulate RESPA, it also began supervising entities that are subject to RESPA’s requirements. Those entities include mortgage servicers. Servicers collect payments and handle customer service, escrow accounts, loan modifications and foreclosures. RESPA sets forth a number of mandates that servicers must follow. In a report the CFPB released on August 21, the bureau indicated that it found several RESPA violations when conducting reviews of mortgage servicers.

 
Have an AfBA? Don’t forget the disclosure
Posted Date: Thursday, August 22, 2013
Although RESPA Sections 8(a) and (b) prohibit business referrals and fee splitting, affiliated business arrangements are allowed through an exception in Section 8(c). Under Section 8(c)(4), AfBAs are permitted as long as certain conditions are met. One of those conditions is that a disclosure must be provided that notifies the borrower of the arrangement. Providing the disclosure is important for a couple of reasons. First, the Consumer Financial Protection Bureau can penalize a company for failing to provide the AfBA disclosure. Second, under a recent 8th U.S. Circuit Court of Appeals decision, a lack of notice could provide a consumer with standing to sue when alleging an informational injury.

 
Servicer argues attorney used QWR as litigation tactic
Posted Date: Monday, August 19, 2013
In a lawsuit against Wells Fargo Bank NA, the plaintiff claimed that the bank failed to respond to his qualified written request. Wells Fargo argued that the plaintiff defaulted on his loan in July 2011 and that his attorney sent the QWR in February 2013 as a litigation tactic. The court determined that the plaintiff did not show that damages he sustained were a result of Wells Fargo’s alleged RESPA violation, and gave the plaintiff additional time to amend his complaint.

 
Mortgage personnel must understand RESPA
Posted Date: Monday, August 19, 2013
The Consumer Financial Protection Bureau released, on Aug. 15, a second update to its exam procedures for the new mortgage regulations it issued in January 2013. According to the list of procedures, examiners will be assessing whether mortgage personnel within financial institutions are knowledgeable about RESPA and Regulation X requirements.

 
SoftPro announces new sales and marketing leadership
Posted Date: Monday, August 19, 2013
SoftPro, a provider of closing and title software, announced the hiring of Patrick Hempen as its Senior Vice President of Sales and Marketing. Hempen will lead a team of sales, marketing and support professionals throughout the United States.

 
Standing case could affect RESPA actions
Posted Date: Monday, August 19, 2013

The 8th U.S. Circuit Court of Appeals held in an Aug. 2 decision that an informational injury is sufficient to confer standing. Under this holding, plaintiffs do not have to prove an economic injury in order to have standing to sue for statutory damages.

“It will make it much easier for consumers to prove they have standing because an informational injury merely means that a consumer was not provided some sort of disclosure that was required under federal law, and if that disclosure provides for statutory damages then it takes out the actual damages or losses that some courts might claim a consumer must show under injury in fact,” Marx Sterbcow, managing partner of Sterbcow Law Group LLC, told RESPA News.

Although the 8th Circuit’s decision in Charvat v. Mutual First Federal Credit Union does not expressly reference RESPA, it could still have an effect on lawsuits alleging RESPA violations.


 
When gifts and entertaining can get you into trouble
Posted Date: Wednesday, August 14, 2013
When it comes to RESPA, you need to be aware that giving gifts or providing entertainment in exchange for a referral of business can lead to trouble. During a session about joint ventures at October Research LLC’s National Settlement Services Summit, some of the audience had questions about what kind of entertainment is allowed under RESPA. Attorneys Jeffrey Arouh and Marx Sterbcow provided some information regarding RESPA’s prohibition against providing compensation for referrals of business.

 
Senator questions CFPB’s data collection efforts
Posted Date: Wednesday, August 14, 2013
Sen. Mike Crapo, R-Idaho, held a news conference at the Idaho Statehouse in Boise seeking to increase public awareness regarding the Consumer Financial Protection Bureau’s data collection activities. Crapo voiced concern over the bureau’s effort to collect and secure massive amounts of consumer data.

 
HUD and Treasury release July housing scorecard
Posted Date: Wednesday, August 14, 2013
The U.S. Department of Housing and Urban Development and the U.S. Department of the Treasury released the July edition of the Obama administration’s housing scorecard. The latest data show progress across many key indicators — as home prices, purchases of new homes and sales of existing homes continue to show strong annual gains — although officials caution that the overall recovery remains fragile.

 
Companies partner to provide title agents with better data security
Posted Date: Wednesday, August 14, 2013
Pioneer Technology Group and Real Estate Data Shield Inc. announced they are combining their expertise in a strategic partnership to provide title agents with security advantages throughout the real estate transaction process.

 
New Jersey paralegal admits to participating in $2M fraud
Posted Date: Wednesday, August 14, 2013
A New Jersey paralegal admitted participating in a long-running, large-scale mortgage fraud scheme that defrauded financial institutions of at least $2 million. The fraud involved preparing inaccurate HUD-1 Settlement Statements. Read on for more details.

 
Beware the markup
Posted Date: Monday, August 12, 2013
If you are at all familiar with RESPA, then you know that the splitting of unearned fees is a no-no under Section 8(b). You probably also know that the U.S. Supreme Court made it clear that unearned, undivided fees are not a violation of RESPA. What hasn’t been made clear is how fee markups will be treated. The U.S. Circuit Courts of Appeals are currently split on if markups violate RESPA. If you are in an area where markups are considered a violation, you may want to be cautious when setting fees for services provided by third-party vendors.

 
NMLS 2013 mortgage industry reports released
Posted Date: Monday, August 12, 2013
The Conference of State Bank Supervisors released its 2013 first quarter reports on state-licensed and federally registered mortgage entities in the Nationwide Mortgage Licensing System & Registry.

 
CFPB investigating PNC over loan pricing
Posted Date: Monday, August 12, 2013
PNC Financial Services Group announced that it is under investigation by the Consumer Financial Protection Bureau and the Department of Justice for its mortgage loan services.

 
State worried about CFPB mortgage servicing rules
Posted Date: Monday, August 12, 2013
In a comment letter to the Consumer Financial Protection Bureau regarding the bureau’s 2013 mortgage servicing rules, the New York State Department of Financial Services said the 120-day pre-foreclosure review period mandated in Section 1024.41(f) is of concern.

 
False HUD-1 forms used in $3.5M mortgage fraud conspiracy
Posted Date: Thursday, August 8, 2013
A Connecticut attorney pleaded guilty to conspiracy charges stemming from his role in an extensive mortgage fraud scheme that involved the use of false mortgage applications, false HUD-1 forms and fraudulent down payments. His actions cost an estimated $3.5 million in losses. Read on for more details.

 
Couple tells court that numerous GFEs are confusing
Posted Date: Thursday, August 8, 2013
When a lender filed for bankruptcy, a couple petitioned the court, alleging violations of RESPA. The couple said the lender received unreasonable fees and sent numerous Good Faith Estimates, which the couple found confusing. They also claimed the lender forged their signatures on the HUD-1 Settlement Statement. The bankruptcy court found no valid RESPA violations existed. Read on to find out why.

 
GSEs working on industry dataset to support new disclosure forms
Posted Date: Thursday, August 8, 2013
Fannie Mae and Freddie Mac announced they are working together to provide a common industry dataset that will support the Consumer Financial Protection Bureau’s new Closing Disclosure Form.

 
Are affiliated business arrangements still a viable option?
Posted Date: Thursday, August 8, 2013
If you currently have an affiliated business arrangement or are considering one, you know how important it is to make sure the AfBA is compliant with federal and state law. You also know that laws can be long, complicated and technical. The Consumer Financial Protection Bureau took over the regulation of the settlement services and mortgage lending industries, and has made some significant changes. Not only is the bureau promulgating new regulations left and right, it is also taking its enforcement authority very seriously. The agency is on the lookout for joint ventures that violate federal consumer laws. With this regulatory crack-down, are joint ventures and AfBAs still a viable option? The answer is yes, but it may not be simple.

 
Are you vulnerable to the latest fraud schemes? - Webinar
Posted Date: Monday, August 5, 2013
Staying ahead of the many nefarious acts fraudsters use to steal funds and damage systems is tough for any title insurance and settlement services company. Are you up to date on the latest fraud schemes threatening your business and the best strategies for prevention? The Title Report and sponsor RynohLive have teamed up to provide the industry with a 90-minute in-depth, instructional webinar on Aug. 22 to teach title insurance professionals about the types of fraud schemes attacking the industry, as well as how to protect your accounts and transactions.

 
Wells Fargo withdraws from the mortgage joint venture business
Posted Date: Monday, August 5, 2013
Wells Fargo Ventures LLC plans to withdraw from its eight joint ventures in mortgage lending. The decision was effective July 25 and is expected to be completed over the next 12 to 18 months. No impact on customer service or loan processing is expected.

 
Lawmakers question actions by past CFPB leadership
Posted Date: Monday, August 5, 2013
Four lawmakers who chair various congressional committees and subcommittees told Consumer Financial Protection Bureau Director, Richard Cordray, that they continue to be concerned about the bureau’s lack of transparency and news that several of the CFPB’s senior leaders have left to form a company that profits from the rules created by the agency.

 
Lawsuit challenging CFPB dismissed
Posted Date: Monday, August 5, 2013
A lawsuit challenging the constitutionality of certain sections of the Dodd-Frank Act and Richard Cordray’s appointment as director of the Consumer Financial Protection Bureau has been dismissed by the U.S. District Court for the District of Columbia. The court found that the group of plaintiffs, which included 11 U.S. states, did not have standing to bring their case. The plaintiffs’ attorneys say the court’s ruling is severely flawed, and they plan to appeal.

 
Court determines contract incorporated RESPA escrow requirements
Posted Date: Monday, August 5, 2013
Two borrowers argued that their deed of trust incorporated RESPA and that their mortgage loan servicers breached the contract by failing to adhere to the RESPA requirements pertaining to the management of escrow funds. The court agreed with the borrowers that the contract incorporated certain RESPA sections and the corresponding regulations. The court determined, however, that the plaintiffs’ breach of contract claim was not valid. Read on to find out why.

 
Assignee lenders not held liable for missing disclosures
Posted Date: Thursday, August 1, 2013
A couple sued their lender, claiming that they wanted to rescind their mortgage loan because they did not receive the required Truth in Lending disclosures. The court found that because the lenders were assignees of the loan, they were not liable for defects in the disclosures unless the defects were apparent on the face of the documents. In this case, the loan file contained acknowledgments that both borrowers received the necessary disclosures, which the court said the assignee lenders could rely on as proof that the borrower actually received the disclosures.

 
Federal appeals court finds servicer exempt from TILA disclosure requirements
Posted Date: Thursday, August 1, 2013
A couple filed a class action suit against Chase Home Finance, alleging the bank violated the Truth in Lending Act by not informing them that their mortgage had been assigned to it. Chase argued that it is exempt from TILA’s disclosure requirements. The 11th Circuit Court of Appeals agreed. Read on to find out why.

 
Committee approves FHA Solvency bill
Posted Date: Thursday, August 1, 2013
The Senate Banking Committee approved the FHA Solvency Act on July 31. The bill is supposed to promote long-term solvency, stabilize the reverse mortgage program and improve lender liability.

 
Voters split on marketing agreement use
Posted Date: Thursday, August 1, 2013
RESPA News asked readers in a June/July poll if their company uses a marketing service agreement. There have been indications that the Consumer Financial Protection Bureau is currently investigating the use of certain marketing agreements and could come out with guidance or an enforcement action soon. It’s always a good idea to be aware of the terms of your marketing agreement and understand state and federal law, including RESPA.

Monthly Newsletter

RESPA News Monthly
June 2026

Cover Story:

RESPert Holly Bunting talks RESPA litigation risk


News by Topic   News by Edition   Reports   Events   Subscribe
All Rise
Case Law
Enforcement Update
Industry News
Legislation
Regulatory News
The Week in Washington
The TRID Journey
TILA News
 
 
RESPA News Monthly
April 2026
RESPA News Monthly
May 2026
RESPA News Monthly
June 2026
Archives
 
Housing Inventory Solutions
2026 State of the Industry
Adapting to NAR Settlement's New Realities
Real Estate Compliance Outlook
The ABCs of RESPA
Fair Lending
Archives
 
 
National Settlement Services Summit (NS3)
Women's Leadership Summit (WLS)
Webinars
 
Subscriptions
Free Email Updates
Try a Free Edition
Library       RESPA Defined   About   Other Publications
NAR Settlement Resources
Affiliated Compliance
Blog - Tuesdays with Mary
Case Law
CFPB Guidance Documents
Enforcement Documents
Federal and State Legislation
Federal Register Notices
HUD's FAQ's - General
HUD's RESPA final rule FAQs
 
Keys to Real Estate Podcast
Model Disclosure Forms
Other Guidance Documents
Position Papers
Proposed Disclosure Forms
Proposed Rules and Regulations
Settlement Agreements
Statements of Policy
Studies and Proposals
 
Timeline of revisions
Disclosure requirements
Prohibited practices
RESPA enforcement
Dodd-Frank Amendments
Current Issues
The RESPA Statute
 
RESPA News
Contact / Editors
Advertise
Request a Media Kit
Social Media
Are You An Expert?
Subscriber Agreement
 
The Title Report
The Legal Description
Dodd Frank Upate
Copyright © 2005-2026 RESPA News
An October Research, LLC publication
3046 Brecksville Road, Suite D, Richfield, OH 44286
(330) 659-6101, All Rights Reserved
www.respanews.com | Privacy Policy
VISIT OUR OTHER WEBSITES
> Dodd Frank Update
> The Legal Description
> The Title Report
> NS3 The Summit
> Women's Leadership Summit
> October Research, LLC
> The October Store


Loading... Loading...
12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
Featuring:
  • Delivery 3X a week plus breaking news as it happens
  • Comprehensive title insurance industry news
  • Recent acquisitions, mergers, real estate stats
  • Exclusive in-depth coverage of the industry's hottest stories
Featuring:
  • Delivery 2X a week plus breaking news as it happens
  • Comprehensive Dodd-Frank coverage
  • The latest information from the CFPB
  • Full coverage of Congressional hearings
  • Updates on all agency actions
  • Analysis of controversial provisions
  • Release of newest studies and reports
Sign up today and...
  • Be one of the first to know where NS3 is being held
  • Learn about NS3 speakers and sessions
  • Save on registration with Super-Early Bird rates
  • Discover the networking opportunities NS3 offers
  • Find out if CE credits will be offered for your area
  • And much more
Featuring:
  • Delivery 2X a week plus breaking news as it happens
  • Preview the latest RESPAnews.com Top Story
  • RESPA related headline news
  • Quote of the Week
Featuring:
  • Delivery 2X a week plus breaking news as it happens
  • Legal, regulatory and legislative information impacting the settlement services industry
  • News from HUD, Congress, state legislatures and other regulatory agencies
  • Follow the lobbying efforts of all the major national real estate services organizations.
Featuring:
  • Delivery 2X a week plus breaking news as it happens
  • The industry's only full-time newsroom
  • Relevant, up-to-date appraisal industry news
  • Covering the hottest stories and industry trends
NEWS BY TOPIC
NEWS BY EDITION
REPORTS
WEBINARS
EVENTS
LIBRARY
FREE EMAIL NEWS
ABOUT
SUBSCRIBE
All Rise
Case Law
Conference Coverage
Enforcement Update
Industry News
Legislation
Regulatory News
This Week in Washington
The TRID Journey
TILA News
Current Edition
May 2026
April 2026
March 2026
Archives
NEW Housing Inventory Solutions
2026 State of the Industry
NAR Settlement's New Realities
Real Estate Compliance Outlook
The ABCs of RESPA
Archives
NEW Life After RESPA
NEW 2026 Economic Outlook Series
Evolving Realtor Relationships
FinCEN Real Estate Report Demo
2026 Industry and Regulatory Outlook
RESPA Review: Navigating Multi-level Oversight
Evolving Technology
AI-Driven Innovation
FinCEN's Residential Rule Explained
Webinar Archives
National Settlement
Services Summit (NS3)
Women's Leadership
Summit (WLS)
Housing Inventory & Attainability Watch
Podcast - Keys to Real Estate
NAR Settlement Resources
Blog - Tuesdays with Mary
Cyber Solutions Showcase
Executive Interview Series
eClosing Solutions Showcase
RESPA DEFINED
Affiliated Compliance
Case Law
Disclosure Forms
Enforcement
Federal and State Legislation
Guidance Documents
HUD's FAQ's - General
HUD's RESPA final rule FAQs
In-Depth Reports
Position Papers and Studies
Rules and Regulations
Timeline of revisions
Disclosure requirements
Prohibited practices
RESPA enforcement
Dodd-Frank Amendments
RESPA Glossary
Current Issues
The RESPA Statute
Model Disclosure Forms
Proposed Disclosure Forms
Enforcement Documents
Settlement Agreements
CFPB Guidance Documents
Other Guidance Documents
Statements of Policy
Position Papers
Studies and Proposals
Federal Register Notices
Proposed Rules and Regulations
RESPA News
Contact Us
Advertise
Request a Media Kit
Social Media
Are You An Expert?
Subscriber Agreement