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