Truth in Lending Act (TILA) and Regulation Z: Federal law requiring clear disclosure of lending terms and costs, and governing how loan modifications must be disclosed to borrowers
Real Estate Settlement Procedures Act (RESPA): Federal law that regulates real estate settlement processes and provides requirements for loan servicing and modifications
Fair Housing Act: Federal legislation ensuring non-discrimination in lending practices, applicable to loan modifications and extensions
Equal Credit Opportunity Act (ECOA): Federal law prohibiting discrimination in credit transactions, including loan modification decisions
Dodd-Frank Wall Street Reform Act: Federal legislation providing additional consumer protection requirements and specific rules for mortgage loan modifications
State Usury Laws: State-specific laws governing maximum interest rates and fee limitations for lending transactions
State Mortgage and Foreclosure Laws: State-specific requirements for mortgage recording, notice provisions, and foreclosure procedures
State Consumer Protection Laws: State-specific requirements for additional disclosures, cooling-off periods, and consumer safeguards
Federal Housing Administration (FHA) Requirements: Specific modification programs and compliance obligations for FHA-backed loans
CFPB Regulations: Consumer Financial Protection Bureau rules governing additional disclosure requirements and mortgage servicing standards
