RESPA: Real Estate Settlement Procedures Act - Federal law governing real estate settlement processes and disclosures in residential mortgage servicing

TILA: Truth in Lending Act - Federal regulation requiring transparent disclosure of lending terms and standardized calculations of costs

FCRA: Fair Credit Reporting Act - Federal law governing the collection, dissemination, and use of consumer credit information

FDCPA: Fair Debt Collection Practices Act - Federal law that limits the behavior and actions of debt collectors who are attempting to collect debts

GLBA: Gramm-Leach-Bliley Act - Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data

CFPB Regulations: Consumer Financial Protection Bureau regulations - Federal oversight rules for consumer financial products and services including loan servicing

ECOA: Equal Credit Opportunity Act - Federal law prohibiting discrimination in lending practices based on protected characteristics

SCRA: Servicemembers Civil Relief Act - Federal law providing special protections for active-duty military personnel in financial transactions

TCPA: Telephone Consumer Protection Act - Federal law restricting telemarketing calls, automatic dialing systems, and text messages

BSA/AML: Bank Secrecy Act/Anti-Money Laundering requirements - Federal regulations for monitoring and reporting suspicious financial activities

State Licensing Requirements: Individual state requirements for obtaining and maintaining licenses to operate as a loan servicer

State Consumer Protection Laws: State-specific laws designed to protect consumers in financial transactions and services

State Privacy Laws: State-specific requirements for handling and protecting consumer personal and financial information

State Foreclosure Laws: State-specific procedures and requirements for handling defaulted loans and foreclosure processes

State Usury Laws: State-specific limitations on interest rates and loan charges that can be assessed

Data Security Requirements: Technical and operational requirements for protecting consumer data and maintaining cybersecurity standards

Reporting Requirements: Obligations for regular reporting to regulatory authorities and borrowers regarding loan servicing activities

Record Retention: Requirements for maintaining accurate records of all servicing activities, payments, and communications for specified periods

Payment Processing Standards: Requirements for handling, processing, and applying borrower payments accurately and timely

Escrow Management: Requirements for maintaining and administering escrow accounts for taxes, insurance, and other related expenses