Regulation X/Real Estate Settlement Procedures Act (RESPA) Policy - $275.00


The purpose of this Regulation X Policy Template is to address how a bank, credit union, or other type of financial institution adheres to Regulation X - "Real Estate Settlement Procedures Act" (RESPA).  The purpose of RESPA is to provide borrowers with pertinent and timely disclosures regarding the nature and costs of the real estate settlement process.  Also, RESPA protects borrowers against certain abusive practices, such as kickbacks, and places limitations upon the use of escrow accounts.

Table of Contents

Purpose and Contents - Topic 1
Policy Statement – Topic 2
Definitions - Topic 3
E-SIGN Applicability - Topic 4
Coverage - Topic 5
Application Disclosure Requirements - Special Information Booklet - Topic 6
Application Disclosure Requirements - Good Faith Estimate - Topic 7
Use of HUD-1 and HUD-1A Settlement Statements - Topic 8
Reproduction of Settlement Statements - Topic 9
Inspection, Delivery and Record keeping of Settlement Statements - Topic 10
Mailing - Topic 11
No Fee - Topic 12
Prohibition Against Kickbacks and Unearned Fees - Topic 13
Affiliated Business Arrangements - Topic 14
Title Companies - Topic 15
Escrow Accounts - Topic 16
List of Homeownership Counseling Organizations - Topic 17
Mortgage Servicing - Topic 18
Audit Policy - Topic 19
Staff Training - Topic 20
Retention of Documentation - Topic 21

Includes the following form template:
Real Estate Settlement Procedure Act Sample Notification Forms Template (9 pages)

Recent updates to this product:
05/01/18 Update
Deletion of Guidance Prior to 04/19/18 Effective Date
10/10/17 Update
CFPB Interim Final RuleAmendments to the 2016 Amendments to the 2013 Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)
11/01/16 Update
Publication in the Federal Register of the CFPB's 81 FR 72160 - Change in Effective Dates
09/01/16 Update
Consumer Financial Protection Bureau Expands Foreclosure Protections

This Regulation X (RESPA) Policy Template (approximately 64 pages) is available to purchase from in Microsoft® Word format for $275.00.

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