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Latest Compliance - Estate Topics

RESPA Fee Checklist

05/07/2001

I am a mortgage broker. Certain local banks and credit unions want to refer loans to me. ...I could swear there used to be a RESPA checklist that outlined the things a person had to do in order to earn a fee, and of this list you had to do, I think, 5 of the entire list in order to legally earn a fee.

Hazard Insurance Costs on the GFE & HUD1

05/07/2001

Are we required to include the cost of hazard insurance on GFE's and HUD1's? Does it matter that we do not require insurance payments? to be escrowed?

Proper Placement of Taxes on HUD-1 and 1A

04/19/2001

When preparing Settlement Statements, what is the proper line to place Real Estate Taxes or Property Taxes? Is it the same line on the HUD-1 and the HUD-1A?

It's Time To Fix RESPA

04/01/2001

RESPA has been the bane of many compliance officers' existence. It has never been an easy law or regulation to understand.

Reg X: The Truth Is NOT Out There!

04/01/2001

Word is leaking out that all of the bank regulatory agencies are now taking a strong and active stand on RESPA violations. This means two things.

RESPA

01/01/2000

RESPA promises to be one of the looming nightmares of the immediate future. Put together with fair lending, RESPA enforcement concepts could severely restrict the mortgage business.

Real Estate Loans & Trusts

03/01/1999

Question: We are making a secured real estate loan to a trust. The trust owns the property that will secure the loan and several other assets.

Fiduciary Responsibilities and Year 2000

10/01/1998

In looking at your Year 2000 issues, have you taken a close look at your trust department and other fiduciary activities? Your regulator wants you to.

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Fraud using Visa Secure 3-D

10/01/2023

Our processor says we don’t have chargeback rights since a purchase was made using Visa Secure 3-D. Can we deny the claim since the cardholder’s password was used?

Reg E and mobile payments

09/24/2023

Our customer received a call telling them their CashApp account was compromised, and they needed to verify the password. After they did this there were several authorized CashApp transactions. Can we tell the customer they have to resolve the issue with CashApp?

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