• Dr. Andy Schell, DBA (Ph.D.), MSML, MBA, CPA/CFF, CMB

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

Recent Posts

See All