• RESPA became effective on 6.20.75
• Requires lenders, mortgage brokers, or servicers of home loans to provide borrowers with pertinent and timely disclosures of the nature and costs of the real estate settlement process
• Protects borrowers against certain abusive practices, such as kickbacks, and places limitations upon the use of escrow accounts
• Primary enforcement agency for RESPA is HUD

• HUD promulgated Regulation X, which implements RESPA
• The National Affordable Housing Act of 1990 amended RESPA to require detailed disclosures for the transfer, sale, or assignment of mortgage servicing
• Mandates disclosures for mortgage escrow accounts at closing and annually, thereafter, itemizing the charges to be paid by the borrower and from the account by the servicer. Regulation X was subsequently amended to extend coverage to subordinate lien loans.

12 CFR Part 14 - Consumer protection in sales of
                               insurance

• 12 CFR Part 202  Equal Credit Opportunity Reg B

• 12 CFR Part 226  Truth in Lending Reg Z

• 12 CFR Part 227  Unfair, deceptive acts or practices Reg AA

• 12 CFR Part 230  Truth in Savings Reg DD

• 12 CFR Part 232  Obtaining and using medical information in
                         connection with credit Reg FF

12 CFR Part 267 - Rules of organization and procedure
                                of the consumer advisory council

12 CFR Part 343 - Consumer protection in sales of
                                 insurance

12 CFR Part 535 - Prohibited consumer credit practices

12 CFR Part 706 - Credit practices

• Whether the provisions of the Fair Credit Reporting Act are applicable to the national bank when, pursuant to an agency agreement, the bank transmits credit information about the customers of its affiliates to third parties pursuant to inquiries for such information  10.03.79
• Regarding the applicability of the Fair Credit Reporting Act FCRA, 15 USC 1681 et seq, to single applications for multiple bank subsidiary services  3.15.89
• Whether a national bank can provide a consumers loan application and trade references (list of consumer creditors other than the bank) to a credit bureau "for verification" without the bank thereby becoming a consumer reporting agency  6.15.87

Deposit-related Regulations and Statutes

Credit-related Regulations and Statutes

Other Regulations, Rules, Policies and Statutes

Fair Lending Regulations and Statutes

CRA Guidance