Rules on mortgage servicing

Browse the mortgage servicing final rules to see specific amendments made by each final rule to Regulations Z and X. You can also view a table listing all of the Bureau’s mortgage servicing proposed and final rules.

Regulations and official interpretations

Browse Regulation X (12 CFR 1024) on: Interactive Bureau Regulations | eCFR

Browse Regulation Z (12 CFR 1026) on: Interactive Bureau Regulations | eCFR

Main RESPA and TILA provisions and official interpretations can be found in:

• § 1024.17, Escrow accounts and § 1024.37, Forced placed insurance
• § 1024.35, Error resolution procedures and § 1024.36, Requests for information
• § 1024.38, General servicing policies, procedures and requirements
• § 1024.39, Early intervention and § 1024.41, Loss mitigation procedures
• § 1026.20, Disclosure requirements regarding post-consummation events
• § 1026.36, Payment processing and § 1026.41 Periodic statements
• § 1026.40, Continuity of Contact
• Supplement I to Part 1024 and 1026 (including official interpretations for the above provisions)

Quick references

Executive summary

Coverage chart

Other references

Proposed rule changes and related materials

Rules related to mortgages

Sign up for updates about mortgage rule implementation.

Guides

Small entity compliance guide

Supervision and examination materials

Guides to how the Bureau will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.

Compliance bulletins

FAQs

The Bureau provides a list of commonly asked questions and answers on particular topics to assist in understanding and complying with the Mortgage Servicing rules.

Forms

reprinting the English model clauses from Appendix MS-4 in Regulation X and providing a Spanish translation.

Additional materials

servicers may want to provide to their borrowers on the Homeowner Assistance Fund (HAF) programs. Flyers are provided in multiple languages.

that provide appendices that were removed from the CFR and converted into Public Guidance Documents by HUD’s 1996 Streamlining Final Rule.

Browse the mortgage help page which has information servicers can use to access the HUD list of homeownership counselors and counseling organizations, and the contact information for state housing finance authorities.

Contact Information

Regulation inquiries

If you have a question about the Bureau’s rules and the statutes we implement, please first review the regulations and official interpretations (commentary) as well as the available guidance and compliance resources.

If you still have a question, you may submit it using the link below.