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This Week in Washington


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Representative addresses administration’s deregulatory campaign

Monday, June 8, 2026

On June 4, Rep. Maxine Waters (D-Calif.), ranking member of the Housing Financial Services Committee, addressed the present administration’s “aggressive” deregulatory campaign during the committee hearing entitled “Oversight of Prudential Regulators.”

This Week in Washington

Senators urge HUD to rescind notice for proposed rule regarding PHA work requirements, term limit

Monday, June 1, 2026

On May 21, Sens. Elizabeth Warren (D-Mass.), ranking member of the Senate Banking, Housing, and Urban Affairs Committee, Jack Reed (D-R.I.), Lisa Blunt Rochester (D-Del.) and Raphael Warnock (D-Ga.), along with 17 others, sent a letter to Department of Housing and Urban Development Secretary Scott Turner, urging him to rescind the notice of proposed rulemaking entitled “Establishing Flexibility for Implementation of Work Requirements and Term Limits,” which they say would likely increase evictions, homelessness and administrative costs.

This Week in Washington

Representative introduces ‘GUIDANCE Act’ to restore CFPB protections

Monday, May 25, 2026

Rep. Maxine Waters (D-Calif.), ranking member of the House Financial Services Committee, announced a long list of Congressional Review Act resolutions introduced by the committee to restore critical Consumer Financial Protection Bureau guidance designed to protect consumers that were rescinded by the bureau’s acting director.

This Week in Washington

HUD takes over Little Rock public housing authority

Monday, May 11, 2026

The Department of Housing and Urban Development (HUD) declared on May 5 that the Housing Authority of the city of Little Rock, Ark., was in substantial default for failing to meet the terms of its federally-mandated recovery agreement. As a result, HUD took possession of the housing authority’s programs, operations and assets and dissolved its locally appointed governing board of commissioners.

This Week in Washington

Congress members demand answers on CFPB’s early termination of $25M Citibank consent order

Thursday, April 30, 2026

Sen. Adam Schiff (D-Calif.) led a group of Congress members in sending a letter requesting answers on the Consumer Financial Protection Bureau’s cancellation of a $25 million settlement with Citibank which addressed alleged discrimination against Armenian American consumers.

This Week in Washington

Senators raise concerns about consumer data privacy in wake of CFPB’s rule recissions

Monday, April 20, 2026

Sen. Jacky Rosen (D-Nev.) announced that she is leading a joint resolution of disapproval of the Consumer Financial Protection Bureau’s decision to end a rule for financial institutions that aimed to keep sensitive data secure and to boost cybersecurity safeguards, while Sen. Elizabeth Warren (D-Mass.) sent a letter to Elon Musk about his new payments platform, X Money, that launched in April.

This Week in Washington

Senators introduce act to spur homeownership in rural areas

Monday, April 13, 2026

Sens. Adam Schiff (D-Calif.), Peter Welch (D-Vt.), Jim Justice (R-W.Va.) and Cindy Hyde-Smith (R-Miss.) introduced the “Fostering the Availability in Rural Markets (FARM) of Home Loans Act,” bipartisan legislation designed to support rural economic growth by helping more homebuyers qualify for rural housing assistance.

This Week in Washington

Senator expresses concern about zombie mortgage-related foreclosures

Monday, April 6, 2026

Sen. Elizabeth Warren (D-Mass.), ranking member of the Senate Banking, Housing, and Urban Affairs Committee, sent a letter to Consumer Financial Protection Bureau acting Director Russell Vought, expressing concerns that banks are attempting to foreclose on families based on second mortgages that many homeowners believed were canceled, known as “zombie mortgages.”

This Week in Washington

Representative calls for reconciliation of 21st Century ROAD to Housing Act versions

Monday, March 23, 2026

Rep. Maxine Waters (D-Calif.), with the House Financial Services Committee, sent a letter to the House Democratic Caucus calling for a conference committee to formally reconcile the House- and Senate-passed versions of the “21st Century ROAD to Housing Act,” so that the bill can fully address the nation’s housing crisis. 

This Week in Washington

Executive orders aim to increase housing supply, mortgage credit availability

Monday, March 16, 2026

President Donald Trump issued two executive orders, entitled “Removing Regulatory Barriers to Affordable Home Construction” and “Promoting Access to Mortgage Credit,” which aim to streamline federal permitting requirements for residential developments and to reform mortgage origination.

This Week in Washington
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RESPA News Monthly
June 2026

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RESPert Holly Bunting talks RESPA litigation risk


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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