RESPA governs how mortgage servicers must treat you. Violations — including failure to respond to QWRs — can form the basis for legal claims that stop foreclosure. Learn your rights.
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Rush response within 24 hours
The Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2601 et seq., regulates mortgage servicers and requires them to treat borrowers fairly. RESPA is implemented through Regulation X (12 CFR Part 1024). RESPA's key provisions for foreclosure defense include: (1) the Qualified Written Request (QWR) process requiring servicer response within 30 days, (2) prohibition on kickbacks and unearned fees, and (3) requirements for proper servicing transfer procedures.
Under 12 U.S.C. § 2605(e), you can send a Qualified Written Request to your servicer seeking information about your loan or disputing errors. The servicer MUST acknowledge within 5 business days and provide a substantive response within 30 business days. Failure to respond properly is a RESPA violation — giving you grounds for legal action, including actual damages and, where a pattern or practice is shown, statutory damages under 12 U.S.C. § 2605(f).
If the servicer does not respond within 30 business days — or provides an inadequate response — this is a RESPA violation. Statutory damages of up to $2,000 are available for a pattern or practice of noncompliance.
Servicers must follow specific procedures before force-placing insurance under 12 CFR § 1024.37 and cannot charge for insurance you already have. Overcharging or improper force-placement violates RESPA.
When your loan is transferred between servicers, the new servicer must provide timely notice and cannot treat payments as late during the 60-day transition period.
RESPA Section 8 prohibits kickbacks, referral fees, and unearned fees in connection with mortgage settlements. Violations can result in treble damages plus attorney's fees.
Find out if your servicer's conduct gives you legal claims that can stop foreclosure.
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