RESPA: The Real Estate Settlement Procedures Act - Federal law that requires lenders to provide certain disclosures about the mortgage loan process and prohibits kickbacks for business referrals
TILA: The Truth in Lending Act - Federal law requiring transparent disclosure of lending terms and protecting consumers against inaccurate and unfair credit practices
Dodd-Frank Act: The Dodd-Frank Wall Street Reform and Consumer Protection Act - Comprehensive financial reform legislation enacted in response to the 2008 financial crisis, including mortgage lending reforms
CARES Act: The Coronavirus Aid, Relief, and Economic Security Act - Legislation providing protection for homeowners with federally backed mortgages, including foreclosure moratorium and forbearance options
Fair Housing Act: Federal law prohibiting discrimination in housing-related transactions, including mortgage lending, based on race, color, religion, sex, national origin, disability, or familial status
CFPB Guidelines: Consumer Financial Protection Bureau guidelines governing mortgage servicing rules, loss mitigation procedures, and consumer protection requirements
FDCPA: Fair Debt Collection Practices Act - Federal law restricting debt collection practices and protecting consumers from abusive collection tactics
State Foreclosure Laws: State-specific regulations governing the foreclosure process, redemption periods, and borrower protections varying by jurisdiction
GSE Requirements: Guidelines set by Government Sponsored Enterprises (Fannie Mae and Freddie Mac) for mortgage modification and hardship assistance programs
FHA Guidelines: Federal Housing Administration requirements for loan modifications and loss mitigation options for FHA-insured mortgages
VA Loan Requirements: Department of Veterans Affairs specific requirements for handling hardship cases in VA-guaranteed home loans
OCC Guidelines: Office of the Comptroller of the Currency guidelines governing national banks' mortgage lending and servicing practices
Federal Reserve Regulations: Federal Reserve Board regulations affecting mortgage lending practices and banking institutions' handling of residential mortgages
