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OCC Bulletin 2019-22
May 7, 2019
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Chief Executive Officers and Compliance Officers of National Banks, Federal Savings Associations, Federal Branches and Agencies, Department and Division Heads, All Examining Personnel, and Other Interested Parties
The Office of the Comptroller of the Currency (OCC) issued today the "Real Estate Settlement Procedures Act" (RESPA) booklet of the Comptroller's Handbook. This revised booklet replaces the similarly titled booklet issued in April 2015.
This booklet provides guidance and procedures to examiners in connection with changes made by the Consumer Financial Protection Bureau (CFPB) to Regulation X (12 CFR 1024), which implements RESPA. The main changes to the booklet relate to implementation of the CFPB's mortgage servicing rule and to clarification and amendment of provisions of Regulation X that took effect October 19, 2017, as well as provisions related to successors in interest, which took effect April 19, 2018. The booklet also reflects changes resulting from the final rule on integrated mortgage disclosures, which became effective October 3, 2015.
With the issuance of this booklet, the following documents are rescinded:
This booklet applies to all national banks, federal savings associations, and federal branches and agencies of foreign banking organizations that offer consumer credit products covered by RESPA.
Significant revisions from the OCC's 2015 RESPA booklet reflect
Contact your supervisory office or Paul R. Reymann, Director for Consumer Compliance Policy, at (202) 649-5470.
Donna M. Murphy
Deputy Comptroller for Compliance Risk Policy