Truth in Lending Act (TILA): Federal law that requires lenders to provide standardized disclosures about terms and costs associated with mortgage lending
Real Estate Settlement Procedures Act (RESPA): Federal law governing real estate settlement processes, including requirements for loan servicing and loss mitigation
Fair Debt Collection Practices Act (FDCPA): Federal law that restricts debt collectors' practices and protects borrowers from abusive collection practices
Dodd-Frank Wall Street Reform: Comprehensive financial reform law that established the CFPB and implemented new mortgage servicing rules
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or public assistance
State Foreclosure Laws: State-specific regulations governing the foreclosure process, including notice requirements and borrower rights
State Mortgage Regulations: State-specific rules governing mortgage lending, servicing, and reinstatement procedures
State Consumer Protection Laws: State-specific laws protecting consumers in financial transactions, including mortgage lending
State Banking Regulations: State-specific rules governing banking operations and mortgage lending practices
CFPB Guidelines: Federal regulatory guidelines for mortgage servicing, including loss mitigation and reinstatement procedures
FHA Requirements: Specific requirements for FHA-insured mortgages, including reinstatement procedures
VA Requirements: Specific requirements for VA-guaranteed mortgages, including reinstatement procedures
GSE Guidelines: Fannie Mae and Freddie Mac guidelines for mortgage servicing and reinstatement procedures
Cure Period Requirements: State-specific timeframes within which borrowers can cure default and reinstate their mortgage
Bankruptcy Provisions: Federal bankruptcy laws affecting mortgage reinstatement, including automatic stay provisions
Servicer Requirements: Specific policies and procedures established by mortgage servicers for reinstatement processing
