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V. Lending — RESPA

V. Lending RESPA Real Estate Settlement Procedures Act ( RESPA ) Introduction The Real Estate Settlement Procedures Act of 1974 ( RESPA ) (12 2601 et seq.) (the Act) became effective on June 20, 1975. The Act requires lenders, mortgage brokers, or servicers of home loans to provide borrowers with pertinent and timely disclosures regarding the nature and costs of the real estate settlement process. The Act also prohibits specific practices, such as kickbacks, and places limitations upon the use of escrow accounts. The Department of Housing and Urban Development (HUD) originally promulgated Regulation X, which implements RESPA .

The Dodd-Frank Wall Street Reform and Consumer Protection Act, Pub. L. 111-203 (July 10, 2010) (Dodd-Frank . 1 Pub. L. 104-208, Div. A., Title II § 2103 (c), September 30, 1996. 15 U.S.C. 7001 et seq. Act) granted rule-making authority under RESPA to the Consumer Financial Protection Bureau (CFPB) and, with

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