Real Estate Settlement Procedures Act (Regulation X)

This fact sheet provides an overview of the Real Estate Settlement Procedures Act (RESPA) – as outlined by Regulation X – which requires lenders, mortgage brokers, or servicers of home loans to provide borrowers with timely disclosures regarding the nature and costs of the real estate settlement process. This publication also provides the key protections and requirements of RESPA and other resources, including how to request assistance or file a complaint.