Real Estate Settlement Procedures Act

The purpose of this policy and procedure guide is to address the Real Estate Settlement Procedures Act (RESPA) and its implementing Regulation X requirements.


Mortgage lenders and servicers must comply with the initial disclosure, settlement, and servicing requirements under the Real Estate Settlement and Procedures Act.

The AllRegs® Real Estate Settlement and Procedures Act Policy and Procedure Guide addresses the following topics:

  • Application and origination disclosures
  • Prohibitions against kickbacks and unearned fees
  • Affiliated business arrangements
  • Escrow account administration
  • Homeownership counseling
  • Servicing disclosures
  • Servicing transfers
  • Error resolution and requests for information
  • Force-placed insurance
  • Early intervention
  • Continuity of contact
  • Loss mitigation
  • Small servicer provisions
  • Operational compliance
  • Record retention
  • Exhibits
  • Best practices


The guide features the following benefits:

  • Supports strong operational practices and preparedness
  • Explains roles and responsibilities
  • Explains what to expect and how to work with auditors
  • Provides practical guidance for managing the audit process from within
  • Features an audit tracking spreadsheet as an optional tool

Optional Services

Maintenance: Receive regular and ongoing industry updates to keep your guide within regulatory requirements.

Publishing: Publish your guide, including your company procedures, in AllRegs Online.

Contact your account manager for information regarding these optional services!

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