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  3. Consumer Financial Protection Bureau’s Regulation X Real Estate Settlement Procedures

Consumer Financial Protection Bureau’s
Regulation X
Real Estate Settlement Procedures*

12 CFR 1024; as amended effective April 19, 2023
  • Subpart A—General Provisions
  • Section
  • Designation
  • Definitions
  • E-sign applicability
  • Reliance upon rule, regulation, or interpretation by the Bureau
  • Coverage of RESPA
  • Subpart B—Mortgage Settlement and Escrow Accounts
  • Section
  • Special information booklet at time of loan application
  • Good faith estimate
  • Use of HUD-1 or HUD-1A settlement statements
  • Reproduction of settlement statements
  • One-day advance inspection of HUD-1 or HUD-1A settlement statement; delivery; recordkeeping
  • Mailing
  • No fee
  • [Reserved]
  • Prohibition against kickbacks and unearned fees
  • Affiliated business arrangements
  • Title companies
  • Escrow accounts
  • [Reserved]
  • [Reserved]
  • List of homeownership counseling organizations
  • Subpart C—Mortgage Servicing
  • Section
  • Scope
  • Definitions
  • General disclosure requirements
  • Mortgage servicing transfers
  • Timely escrow payments and treatment of escrow account balances
  • Error resolution procedures
  • Requests for information
  • Force-placed insurance
  • General servicing policies, procedures, and requirements
  • Early intervention requirements for certain borrowers
  • Continuity of contact
  • Loss mitigation procedures
AUTHORITY: 12 U.S.C. 2603-2605, 2607, 2609, 2617, 5512, 5532, 5581.
*
Historically, the Real Estate Settlement Procedures Act (RESPA) has been implemented in Regulation X of the Department of Housing and Urban Development (HUD), 24 CFR 3500. The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended a number of consumer financial protection laws, including RESPA, and transferred rulemaking authority for RESPA to the Consumer Financial Protection Bureau, effective July 21, 2011. Pursuant to the Dodd-Frank Act and RESPA, as amended, the Bureau established a new Regulation X (Real Estate Settlement Procedures), 12 CFR 1024, implementing RESPA.
†
The interpretations (also referred to as the official staff commentary) begin at 6-1442.
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