<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:media="http://search.yahoo.com/mrss/">
  <channel>
    <title>RESPA</title>
    <description>
      <![CDATA[]]>
    </description>
    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <item>
      <title>CrossCountry Alleged to Have Participated in Kickback Scheme</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[CrossCountry Mortgage allegedly paid a North Carolina real estate brokerage $15,000 a month to have all of its clients referred to the lender.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235107</guid>
      <pubDate>Mon, 18 Aug 2025 13:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235107-crosscountry-alleged-to-have-participated-in-kickback-scheme</link>
    </item>
    <item>
      <title>Court Rejects PHH’s Arguments on RESPA</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[PHH claimed that the Supreme Court’s ruling to overturn Chevron deference made the CFPB’s RESPA regulations invalid as far as civil claims filed by mortgage borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233726</guid>
      <pubDate>Mon, 17 Mar 2025 14:21:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233726-court-rejects-phhs-arguments-on-respa</link>
    </item>
    <item>
      <title>NJ Court Rules on Servicer RESPA Obligations in Foreclosures</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A district court’s order focused on RESPA violations following a loan default.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231429</guid>
      <pubDate>Mon, 01 Jul 2024 12:12:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231429-nj-court-rules-on-servicer-respa-obligations-in-foreclosures</link>
    </item>
    <item>
      <title>MBA Calls on CFPB to Maintain Loss-Mit Flexibilities</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association wants the CFPB to retain the complete/incomplete application framework in its upcoming rulemaking that would modernize its mortgage servicing rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229694</guid>
      <pubDate>Thu, 14 Dec 2023 12:28:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229694-mba-asks-cfpb-to-retain-loss-mit-framework-with-tweaks</link>
    </item>
    <item>
      <title>Court Clarifies How RESPA Treble Damages Apply</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A district court recently held that the Real Estate Settlement Procedures Act’s treble damages provision applies only to the amount charged for title and settlement services due to illegal kickbacks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229646</guid>
      <pubDate>Mon, 11 Dec 2023 16:55:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229646-court-clarifies-how-respa-treble-damages-applied</link>
    </item>
    <item>
      <title>CFPB Working to Preserve Loss-Mitigation Flexibilities</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB plans to issue a proposed rule in early 2024 to revise standards for loss mitigation. Separately, rising costs for homeowners insurance are a concern.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229027</guid>
      <pubDate>Mon, 02 Oct 2023 12:11:23 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229027-cfpb-working-to-preserve-loss-mit-flexibilities</link>
    </item>
    <item>
      <title>CFPB Brings Attention to RESPA-Related Guidance</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB has clarified that it applies all documents it assumed authority over from other agencies in 2011 unless they were superseded by law.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228900</guid>
      <pubDate>Mon, 18 Sep 2023 14:11:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228900-cfpb-says-it-still-applies-hud-housing-counseling-fees-guidance</link>
    </item>
    <item>
      <title>HMDA Reporting Issues Pile Up at Banks
</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Compliance issues tied to HMDA reporting were the most common problem cited in Fed exams of banks in 2022.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227906</guid>
      <pubDate>Tue, 30 May 2023 10:15:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227906-most-violations-in-2022-were-of-hmda-fed-says</link>
    </item>
    <item>
      <title>Servicer Can’t Prove It Didn’t Receive QWR, Court Says</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A district court held that a borrower had provided enough evidence to show subservicer LoanCare had received a qualified written response and failed to respond as required by the Real Estate Settlement Procedures Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227928</guid>
      <pubDate>Tue, 30 May 2023 10:11:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227928-servicer-cant-prove-it-didnt-receive-qwr-court-says</link>
    </item>
    <item>
      <title>Court Bars Enforcement Action Against Ocwen</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[For the third time, a judge held that the CFPB’s claims against Ocwen Financial over alleged servicing-related violations of federal law, are barred by a 2014 consent order between the bureau and the servicer.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227803</guid>
      <pubDate>Mon, 15 May 2023 15:19:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227803-consent-order-bars-ocwen-enforcement-action-court-says</link>
    </item>
    <item>
      <title>FDIC Cites Illegal Referrals in 2022 Supervisory Report</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The federal agency found instances of illegal mortgage loan referrals and redlining during supervisory examinations of financial institutions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227467</guid>
      <pubDate>Mon, 17 Apr 2023 14:58:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227467-in-2022-fdic-supervision-found-illegal-referrals-redlining</link>
    </item>
    <item>
      <title>MBA Calls on CFPB to Ease Loss-Mitigation Requirements</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Regulation X loss-mitigation requirements are too burdensome and should be streamlined, the Mortgage Bankers Association said in a recent white paper.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227221</guid>
      <pubDate>Mon, 20 Mar 2023 15:14:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227221-mba-cfpb-should-ease-reg-x-loss-mit-requirements</link>
    </item>
    <item>
      <title>CFPB Weighs TRID Changes for Construction Loans</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau has opened for public feedback the Independent Community Bankers of America’s application for a trial program that would provide borrowers expanded disclosures for construction and construction-to-permanent loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227164</guid>
      <pubDate>Mon, 06 Mar 2023 15:20:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227164-cfpb-weighing-expanded-construction-loan-disclosures-taking-comments</link>
    </item>
    <item>
      <title>CFPB Issues Opinion on Mortgage Comparison-Shopping Sites</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau has clarified that the Real Estate Settlement Procedures Act prohibits digital mortgage comparison platforms from steering shoppers to lenders using “pay-to-play tactics.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227028</guid>
      <pubDate>Tue, 21 Feb 2023 13:46:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227028-cfpb-respa-prohibits-referral-based-mortgage-comparison-websites</link>
    </item>
    <item>
      <title>Attorneys Stress Importance of RESPA-Compliant MSAs</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Lenders looking to boost mortgage originations with marketing services agreements need to heed RESPA standards, according to compliance attorneys.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226859</guid>
      <pubDate>Mon, 06 Feb 2023 16:08:01 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226859-attorneys-outline-msa-dos-and-donts-in-talk</link>
    </item>
    <item>
      <title>Mortgage Assumptions Require Unique Compliance Steps</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[State and federal regulations on assumable mortgages differ in some respects from those for new originations. And agency and investor guidelines have to be factored in too.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226542</guid>
      <pubDate>Mon, 19 Dec 2022 15:03:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226542-mortgage-assumptions-require-unique-compliance-steps-attorneys-say</link>
    </item>
    <item>
      <title>District Court Refuses Dismissal of PHH Dual-Tracking Allegations</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The servicer argued that the borrower hadn't returned the loan modification agreement in time. But the court said that detail was a matter of factual dispute.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226408</guid>
      <pubDate>Mon, 05 Dec 2022 16:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226408-district-court-refuses-dismissal-of-phh-dual-tracking-allegations</link>
    </item>
    <item>
      <title>CFPB Says Fourth Circuit Should Reinstate TILA Case</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The appeals court had temporarily dismissed class-action claims that PNC Bank made unauthorized withdrawals from a borrower's deposit accounts to cover payments on a home equity line of credit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226416</guid>
      <pubDate>Mon, 05 Dec 2022 16:04:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226416-cfpb-says-fourth-circuit-should-reinstate-tila-case</link>
    </item>
    <item>
      <title>Court Says Proof of Kickback Scheme Enough for RESPA Claim</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The defendant, a Baltimore-based bank, argued that the plaintiffs had no standing because they couldn’t prove the kickback scheme was tied to increased settlement costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224938</guid>
      <pubDate>Tue, 21 Jun 2022 12:57:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224938-court-showing-kickback-scheme-exists-enough-for-respa-claim</link>
    </item>
    <item>
      <title>CFPB Seeks Broad Standards For Responses to QWRs</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The argument comes in an amicus brief submitted by the bureau in a class-action lawsuit against Wells Fargo for its mortgage servicing practices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224247</guid>
      <pubDate>Mon, 11 Apr 2022 13:58:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224247-cfpb-asserts-broad-duty-to-respond-under-reg-x</link>
    </item>
    <item>
      <title>Fourth Circuit Clarifies QWR Threshold in Caliber Lawsuit</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Written correspondence sent to a mortgage servicer providing sufficient information to identify the account and an alleged servicing error is a “qualified written request,” the Fourth Circuit Court of Appeals ruled.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223974</guid>
      <pubDate>Mon, 14 Mar 2022 15:10:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223974-fourth-circuit-clarifies-qwr-threshold-in-caliber-lawsuit</link>
    </item>
    <item>
      <title>Appeals Court Rules for Borrower in RESPA Lawsuit </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Acre Mortgage and Financial has been accused of failure to make all required disclosures and failure to make a reasonable and good faith determination of the borrower’s ability to repay.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223634</guid>
      <pubDate>Mon, 31 Jan 2022 12:25:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223634-appeals-court-remands-lawsuit-alleging-mortgagor-tila-respa-violations</link>
    </item>
    <item>
      <title>CFPB Paying Close Attention to Servicers’ Foreclosure Actions</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB reiterated that, as COVID-19-related forbearance protections expire, it will be keeping close watch on servicers’ actions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222927</guid>
      <pubDate>Mon, 08 Nov 2021 15:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222927-chopra-keeping-a-close-eye-on-foreclosures</link>
    </item>
    <item>
      <title>Court Approves $1.3 Million Settlement in Kickback Case</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The settlement would end a class action filed against Sierra Pacific Mortgage for allegedly receiving illegal payments in exchange for referrals of title work.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222344</guid>
      <pubDate>Mon, 13 Sep 2021 15:08:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222344-court-approves-13m-settlement-in-kickback-case</link>
    </item>
    <item>
      <title>In the Works: Changes to Mortgage Servicing Rules </title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[In the new year, the CFPB will propose changes to its loss-mitigation rules to govern how residential servicers work with borrowers affected by natural disasters and other emergencies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/220021</guid>
      <pubDate>Mon, 21 Dec 2020 15:45:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/220021-cfpb-plans-to-amend-mortgage-servicing-rules</link>
    </item>
    <item>
      <title>Seterus Fined $5.4M for Loss-Mitigation Failures</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[According to the CFPB, from 2014 to 2018, Seterus failed to handle and process homeowners’ applications for loss-mitigation options. The mortgage servicer was acquired from IBM by Mr. Cooper in 2019. 
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/220082</guid>
      <pubDate>Mon, 21 Dec 2020 15:32:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/220082-seterus-fined-54m-for-loss-mitigation-failures</link>
    </item>
    <item>
      <title>Trade Groups Seek Changes to Escrow Statement Rules</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[Mortgage trade groups are asking the CFPB to expressly permit servicers, in the case of escrow shortage, to include a lump-sum repayment option in account statements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219765</guid>
      <pubDate>Mon, 23 Nov 2020 13:51:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219765-industry-groups-seek-changes-to-escrow-statement-requirements</link>
    </item>
    <item>
      <title> CFPB’s Escrow Statement Interpretation Causes Confusion</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[The latest supervisory report from the CFPB found that some servicers violated Regulation X by including a lump-sum repayment option in escrow account statements when mortgagors had a shortage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219673</guid>
      <pubDate>Mon, 09 Nov 2020 16:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219673-cfpbs-escrow-statement-interpretation-causes-confusion</link>
    </item>
    <item>
      <title>MSAs Need to be Reevaluated in ‘Virtual’ Pandemic Era</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB by and large has agreed that marketing service agreements are permissible. Companies now need to reevaluate that payments for such partnerships are of reasonable market value.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219697</guid>
      <pubDate>Mon, 09 Nov 2020 15:45:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219697-experts-virtual-marketing-services-agreements-need-to-be-re-evaluated</link>
    </item>
    <item>
      <title>Ocwen Resolves Final State Suit over Abusive Servicing</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[Ocwen Financial has agreed to pay $5.2 million to Florida regulators to settle allegations it engaged in abusive servicing practices. A similar case filed by the CFPB against the nonbank is pending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219505</guid>
      <pubDate>Mon, 26 Oct 2020 15:45:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219505-ocwen-resolves-final-state-suit-over-abusive-servicing</link>
    </item>
  </channel>
</rss>
