Real Estate Settlement Procedures Act (RESPA)
What is Real Estate Settlement Procedures Act (RESPA)?
RESPA regulates settlement services for federally related mortgage loans: disclosure of settlement costs, a ban on kickbacks and unearned fees for referrals, escrow account limits, and (through the CFPB's Regulation X) mortgage servicing duties including transfer notices, error resolution, force-placed insurance, early intervention, continuity of contact and loss mitigation. It comprises 15 controls organised across 2 domains, and applies in the United States.
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