Mortgage Industry Guide to RESPA: Compliance, Disclosures and Procedures

Author: James H. Pannabecker, David Stemler
Format/Frequency of Update: 3-Ring Binder/ 2 updates annually
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Stay on top of the latest RESPA developments

The Mortgage Industry Guide to RESPA addresses compliance with RESPA and Regulation X. Topics covered include the ongoing RESPA enforcement crackdown by HUD and the U.S. Justice Department, compensation of loan originators, RESPA reform proposals, sham joint ventures, affiliated businesses, compliance and disclosures.

The manual also provides you with useful sample disclosures and checklists as well as summaries of key court decisions. Editorial annotations help you find key points and quickly identify important changes, and practical tips help you quickly resolve common problems.

The Mortgage Industry Guide to RESPA explains compliance in areas such as:

Broker fees
Volume-based compensation
Secondary market compensation
Gifts to settlement service providers
Initial and closing disclosures
Enforcement provisions
Escrow requirements
Title companies
Mortgage servicing transfers
Employer-employee compensation
Computer loan origination systems
Affiliated business arrangement disclosures
Sham affiliated business arrangements
Rental of office space
Lock outs
Retaliation

About the Authors

James H. Pannabecker writes from Natural Bridge Station, Virginia, focusing on banking law and regulatory compliance. He was formerly a senior vice president and general counsel of Citicorp Mortgage, Inc., where he managed the provision of legal services for the nationwide origination of mortgage loans through Citicorp’s affiliated first mortgage lenders. Before joining Citicorp, Mr. Pannabecker served as in-house counsel to Maryland National Bank; First Virginia Banks, Inc.; and First American Mortgage. Mr. Pannabecker is the author or co-author of numerous publications in the areas of mortgage lending, truth-in-lending, financial privacy, and banking law. These include Mortgage Compliance Update: Solutions for Mortgage Professionals (A.S. Pratt & Sons); The RESPA Manual: A Complete Guide to the Real Estate Settlement Procedures Act (A.S. Pratt & Sons); Mortgage Lending Compliance with Federal and State Guidance (A.S. Pratt & Sons); Model Compliance Manual: A Template for Mortgage Professionals (Sheshunoff Information Services); Mortgage Lending Operations and Administration (Sheshunoff Information Services); and The Truth-in-Lending Manual by Ralph C. Clontz, Jr. (Warren, Gorham & Lamont), He graduated from the University of North Carolina School of Law in 1978 and has been admitted to practice law in the District of Columbia, Georgia, Maryland, Missouri, North Carolina, and Virginia.

David McF. Stemler is an attorney and author based in Arlington, Virginia. He is an editor of Pratt’s Letter, Pratt’s Federal Advertising and Marketing Law Guide, Pratt’s Federal Fair Lending and Credit Practices Manual, and Pratt’s RESPA Manual as well as Pratt’s Bank Law & Regulatory Report. He is a member of the Pennsylvania and the District of Columbia bars.

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