HECM Regulations: Home Equity Conversion Mortgage program regulations under the National Housing Act, which establish the primary federal framework for reverse mortgages

TILA: Truth in Lending Act requirements governing disclosure of credit terms and protecting consumers against inaccurate and unfair credit billing practices

RESPA: Real Estate Settlement Procedures Act which requires lenders to provide disclosures about the real estate settlement process and prohibits kickbacks

FHA Guidelines: Federal Housing Administration guidelines specific to reverse mortgages, including property standards and borrower requirements

HERA 2008: Housing and Economic Recovery Act of 2008 which introduced significant reforms to the reverse mortgage industry

Dodd-Frank Act: Dodd-Frank Wall Street Reform and Consumer Protection Act provisions affecting mortgage lending and consumer protection

HUD Handbook 4235.1: Department of Housing and Urban Development handbook containing detailed HECM program requirements and guidelines

HUD Mortgagee Letters: Official communications from HUD providing updates and guidance on reverse mortgage requirements

State Property Laws: State-specific laws governing real property rights, transfers, and encumbrances

State Recording Requirements: State-specific requirements for recording mortgage documents and maintaining public records

State Foreclosure Laws: State-specific procedures and requirements for foreclosure proceedings

State Reverse Mortgage Regulations: State-specific rules and requirements specifically governing reverse mortgages

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

CFPB Regulations: Consumer Financial Protection Bureau regulations governing mortgage lending and consumer protection

Non-Borrowing Spouse Provisions: Requirements protecting the rights of non-borrowing spouses in reverse mortgage transactions

Counseling Requirements: Mandatory counseling documentation and requirements for reverse mortgage borrowers

Property Obligations: Requirements regarding property taxes, insurance, and maintenance obligations of the borrower

Occupancy Requirements: Rules governing primary residence requirements and permitted periods of non-occupancy

Due-on-Sale Provisions: Clauses specifying when the loan becomes due and payable upon transfer of the property

Default Provisions: Terms specifying what constitutes default and the consequences of default under the reverse mortgage