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RESPA
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Real Estate Attorney Marketing: Referrals, Local Search and Paid Leads
Real estate law firms often market themselves as one practice when they are really running two. The first is transactional work: closings, purchase agreements, title questions, commercial leases. The second…
Ira J. Metrick's Law Blog
What Is Dual Tracking?
By Metrick ESQ.
What Is Dual Tracking? Dual tracking occurs when a residential mortgage loan servicer is reviewing the first complete application from a homeowner for a modification or other loss mitigation option,…
Consumer Financial Services Law Monitor
New York City Takes Aim at Hidden Fees and Subscription Traps
By Jason Cover, Stefanie Jackman, Ethan G. Ostroff, Caleb Rosenberg, Taylor Gess
New York City is moving aggressively into consumer protection territory that federal regulators have largely stepped back from. In January 2026, Mayor Zohran Mamdani signed two executive orders directing the…
Consumer Financial Services Law Monitor
Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – July 14, 2026
To keep you informed of recent activities, below are several of the most significant federal events that have influenced the Consumer Financial Services industry over the past week. Federal Activities…
Consumer Finance Monitor
CFPB Issues RFI on TRID Rule, Rescission and Reverse Mortgages
By Richard J. Andreano, Jr., John L. Culhane, Jr.
The CFPB recently issued a request for information (RFI) on the Truth in Lending Act (TILA)/Real Estate Settlement Procedures Act (RESPA) Integrated Disclosure (TRID) rule, the right of rescission under…
Consumer Financial Services Law Monitor
Foreclosure Normalization Is Here: What Mortgage Servicers Need to Know About Rising Litigation and Compliance Risk
After years of pandemic-era forbearance programs, emergency moratoriums, and historically low foreclosure volumes, the mortgage market is undergoing a meaningful correction. Foreclosure activity is rising steadily across the country, and…
Consumer Finance Monitor
CFPB releases ambitious Regulatory Agenda
By Alan S. Kaplinsky, Richard J. Andreano, Jr., John L. Culhane, Jr.
The CFPB has released an ambitious Spring Regulatory Agenda that lists 24 regulatory initiatives the bureau has been and/or will be working on during the 12-month period from June 2025…
Consumer Finance and Fintech Blog
CFPB Cracks Down on Mortgage Servicers, Alleging Harmful Practices Against Older Homeowners
By A.J. Dhaliwal, Mehul Madia, Maxwell Earp-Thomas
On June 18, the CFPB settled enforcement actions (found here and here) against two mortgage servicers who serviced reverse mortgages on behalf of HUD, for their systemic failure to respond…
Consumer Finance Enforcement Watch
Increased Industry Attention on RESPA Section 8 Leads to Class Action Lawsuit
On April 2, 2024, a putative class action was brought against a wholesale mortgage lender alleging, among other claims, violations of Section 8(a) of the Real Estate Settlement Procedures Act…
Consumer Financial Services Law Monitor
Maryland Federal Court Denies Mortgage Servicer’s Motion to Dismiss Borrowers’ RESPA Claim
By Alec Hayes, Mary C. Zinsner, Elizabeth Briones
The United States District Court for the District of Maryland recently denied a mortgage servicer's motion to dismiss a putative class action claim pursuant to the Real Estate Settlement Procedures…