Latest Compliance - RESPA Topics

Some of the oldest regulatory requirements top the list of violations cited during compliance examinations.

RESPA: Where in the Regulation is that Signature Requirement?

Question: In our Board's quarterly compliance briefing, one of the Directors asked me whether the bank can establish uniform loan fees for all of the banks in the system.

Editor's Note: Subsequent to the writing of the article below, Section 226.32 of Regulation Z was amended to change the test for what constitutes a "high cost mortgage".

HUD has released a new final rule on permissible referrals and required notices for controlled business arrangements.

HUD still struggles to find the right solution for computer loan originations. Computer loan originations are designed to help consumers shop for loans.

By Richard Insley

At the recent National Graduate School for Compliance Management, a panel of regulators identified the regulations that they see as the greatest compliance risk or exposure in the coming year.

Question: In our effort to review our entire loan portfolio for flood insurance compliance, we have identified a vendor who will certify our entire portfolio at a very low cost if we retain

After more than a quarter century of disclosing the costs of credit, there is movement toward re-evaluating the methods used to disclose costs in the Truth in Lending and Real Estate Settlement Pro