RESPA: Real Estate Settlement Procedures Act - Federal law governing real estate settlement processes and prohibiting kickbacks and referral fees in mortgage transactions
TILA: Truth in Lending Act - Federal law requiring disclosure of credit terms and standardizing the manner in which costs associated with borrowing are calculated and disclosed
TRID: TILA-RESPA Integrated Disclosure Rule - Combines and streamlines the required loan disclosures under TILA and RESPA
Fair Housing Act: Federal law prohibiting discrimination in mortgage lending based on race, color, national origin, religion, sex, familial status, or disability
ECOA: Equal Credit Opportunity Act - Prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or public assistance status
HMDA: Home Mortgage Disclosure Act - Requires financial institutions to maintain and annually disclose data about home purchases, home purchase pre-approvals, home improvement, and refinance applications
Dodd-Frank Act: Comprehensive financial reform law that established the CFPB and implemented new mortgage lending requirements and consumer protections
State Usury Laws: State-specific laws that set maximum interest rates and regulate fee amounts that can be charged on mortgage loans
State Mortgage Regulations: State-specific requirements for mortgage lending, including licensing, disclosure requirements, and consumer protections
CFPB Regulations: Federal regulations issued by the Consumer Financial Protection Bureau governing mortgage lending practices and consumer protection
FRB Guidelines: Federal Reserve Board regulations affecting mortgage lending and banking practices
HUD Guidelines: Department of Housing and Urban Development requirements affecting mortgage lending and settlement procedures
GSE Requirements: Fannie Mae and Freddie Mac guidelines governing conforming mortgages and associated fee structures
FHA Requirements: Federal Housing Administration specific requirements for FHA-insured mortgages including allowable fees and charges
VA Requirements: Veterans Affairs specific requirements for VA-guaranteed mortgages including fee limitations and borrower protections
