Complex compliance requirements under the USA PATRIOT Act and the more recent Fair and Accurate Credit Transactions, or FACT, Act have eclipsed reform of mortgage settlement service regulations as the mortgage industry’s top regulatory concerns going into 2005. The industry’s anxiety over the impact of new loan pricing disclosures under the Home Mortgage Disclosure Act likewise grew as the specter of fair lending lawsuits and a new federal crackdown on discriminatory lending loomed larger on…