Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices, requires specific disclosures, and prohibits harassing or deceptive practices in debt collection communications
Real Estate Settlement Procedures Act (RESPA): Federal law requiring servicers to provide accurate information, mandating specific loss mitigation procedures, and setting timeframes for responses to borrower inquiries
Truth in Lending Act (TILA): Federal law requiring accurate disclosure of lending terms, regulating billing practices, and establishing borrower rights in mortgage transactions
CFPB Regulations: Federal regulatory framework establishing mortgage servicing rules, loss mitigation requirements, and notice requirements for delinquent mortgages
State Foreclosure Laws: State-specific legislation governing the foreclosure process, including required notices, timelines, and procedures
State Notice Requirements: State-specific rules determining the content, timing, and format of notices that must be sent to delinquent borrowers
State Consumer Protection Laws: State-specific legislation protecting consumers in financial transactions, including mortgage-related communications and practices
State Cure Periods: State-mandated timeframes during which borrowers have the right to cure their mortgage default
State Mediation Requirements: State-specific rules regarding mandatory mediation or settlement conferences in mortgage default situations
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions, including mortgage lending and servicing
Fair Credit Reporting Act (FCRA): Federal law governing the collection, dissemination, and use of consumer credit information, including mortgage payment reporting
Servicemembers Civil Relief Act (SCRA): Federal law providing special protections to military servicemembers in mortgage transactions, including restrictions on foreclosure
