New State Law Comparison Tool Topic: Mortgage Servicing Fees

Practical Guidance offers the Mortgage Servicing Fees topic in the FSR state law comparison tool. The topic explores the statutory fee requirements in the 50 U.S. states and the District of Columbia​. This question and answer series provides guidance on permissible mortgage servicing fees for institutions. Practitioners can access the tool to gain an understanding of regulatory requirements on disclosures and statutory fees that may be charged by a company servicing consumer residential mortgages.

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Related Content                   

• Mortgage Servicing Issues and Regulatory Considerations
  Read this practice note discussing mortgage servicing issues and considerations for practitioners to evaluate under the Truth-in-Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA). This practice note also reviews required steps in a mortgage servicing transfer.

• Mortgage Interest & Closing Fees State Law Survey
  Review this state law survey addressing the determination and negotiation of interest terms, rates, and closing fees, including settlement costs and assumption fees. The survey covers the 50 U.S. states, District of Columbia, and U.S. Territories.

• Consumer Financial Regulation Checklist: Compensating Mortgage Loan Originators
  Explore this checklist outlining key policies and procedures for mortgage-loan-originator compensation under TILA, Regulation Z, and unfair, deceptive, and abusive acts or practices (UDAAPs).

• Fair Lending Guidance and Disclosure Requirements for Residential Mortgages
  Access this practice note for a comprehensive overview of fair lending laws, regulations, and disclosure requirements related to residential mortgages under the Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), and the Fair Housing Act (FHA).

Practical Guidance Updates
Featuring the latest updates from your Practical Guidance account. 

• Trends & Insights provides the latest in news articles and insight documents on trending areas for financial service organizations.
• Financial Services Regulation Trackers provides up to date information on legislation and key administrative proceedings from federal, state and local banking authorities.
• Document alerts allow you to stay current on legal developments that affect your practice. Find out how to set up your document alerts.
• State Law Comparison Tool—Topic: Financial Institution Regulation provides federal/state-specific guidance and the ability to compare state laws for banking and non-banking financial institutions.
• For Practical Guidance content on important recent trends, review these easy-to-use Resource Kits on a variety of topics: 
  • Mortgage Servicing Regulation Resource Kit
  • Mortgage Origination Regulation Resource Kit
  • Financial Services Regulations Fundamentals Resource Kit
  • In-House Banking and Financial Services Resource Kit
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  Read  this update to see the newest additions to Practical Guidance. This guide is designed to help you find the tools and insights you need to work more efficiently and effectively.
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• Legal Developments provide the latest updates and analyses of emerging topics impacting your practice area. Visit the Legal Developments page to see the latest topics, which also include breaking legal news and related Practical Guidance content. 
• Listen Up! The Practical Guidance and Law360 Podcasts Resource Kit features interviews with industry-leading attorneys on cutting edge issues in the law: Generative AI, NFTs, Cannabis, and more.    

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