Federal Requirements for Mortgage Lending
Every mortgage originator, mortgage lender, and mortgage servicer must understand these and other federal requirements.
The following list identifies how the CFPB examines compliance with all of these federal requirements. A description of the act is included in the exam procedure.
Equal Credit Opportunity Act (ECOA) Download PDF
Real Estate Settlement Procedures Act (RESPA) Download PDF
Truth in Lending Act (TILA) Download PDF
TILA-RESPA integrated disclosures (TRID) Link to CFPB Page
Home Mortgage Disclosure Act (HMDA) Download PDF
Fair Debt Collection Practices Act (FDCPA) Download PDF
Homeowners Protection Act (HPA or PMI Cancellation Act) Download PDF
Fair Credit Reporting Act (FCRA) Download PDF
Privacy of Consumer Financial Information - Gramm-Leach-Bliley Act (GLBA) Download PDF
Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act Download PDF
Unfair, Deceptive or Abusive Acts or Practices (UDAAPs) Download PDF