RESPA: Real Estate Settlement Procedures Act - Federal law that requires disclosure of real estate settlement costs and elimination of kickbacks and referral fees
Dodd-Frank Title X: Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act - Establishes the CFPB and provides framework for consumer financial protection
CFPB Regulations: Consumer Financial Protection Bureau regulations governing consumer financial products and services, including title insurance
Fair Housing Act: Federal law prohibiting discrimination in real estate transactions, including associated services like title insurance
TILA: Truth in Lending Act - Requires disclosure of credit terms and standardizes the manner in which costs are calculated and disclosed
State Insurance Laws: State-specific laws governing the operation, licensing, and regulation of insurance companies, including title insurers
State Real Property Laws: State-specific laws governing real estate transactions, property rights, and title transfers
State Title Insurance Regulations: Specific state regulations governing title insurance operations, rates, and practices
State Consumer Protection Laws: State-specific laws designed to protect consumers in financial transactions, including real estate and insurance
State Recording Acts: Laws governing the recording of real estate documents and establishing priority of interests in real property
ALTA Guidelines: American Land Title Association standards and forms that set industry best practices and provide standardized documentation
State Title Association Requirements: Requirements set by state-specific title associations for member companies and practitioners
Underwriting Standards: Standard practices and requirements for evaluating title insurance risks and issuing policies
Licensing Requirements: State-specific requirements for licensing and maintaining title insurance operations
Rate Regulations: State-specific regulations governing title insurance premium rates and fee structures
Disclosure Requirements: Mandatory disclosures required by federal and state laws in title insurance transactions
Indemnification Requirements: Specific requirements for indemnification provisions in title insurance agreements
Statute of Limitations: Time limits for filing claims under title insurance policies and related agreements
Recording Requirements: State-specific requirements for recording title insurance policies and related documents
