Servicing mortgage loans is a difficult and complex process, whether the loan is current or whether the borrower is delinquent or in default. There are many laws and regulations with which to comply, many of which are very tedious and detailed, so careful compliance efforts are critically important.
Regulators are looking very carefully at both how servicers are servicing loans, as well as which borrowers receive what type of treatment. In other words, fair lending and UDAP/UDAAP concerns are at the forefront.
There are very detailed requirements in RESPA as to how to service mortgage loans, and when a borrower has defaulted the requirements become even more complex. In addition, there are Regulation Z (Truth in Lending), flood insurance, appraisal rules, and additional concerns. Debt collection is also primary on the regulators’ list of concerns.
In this 2-part webinar series, we’ll review the requirements involved, as well as how to address defaulted borrowers and maintain an effective program to deal with the many issues.
Mortgage Servicing Compliance Requirements & Updates – Part 1
August 10, 2026 | 10:00 am – 12:00 pm CT
An in-depth discussion of the legal and regulatory requirements of servicing consumer mortgage loans, including when loans are current as well as when the borrower is delinquent or in default.
Part 1:
- Current and recent developments – changing regulatory expectations
- RESPA’s detailed servicing requirements, including amendments and FAQs
- Force-placed insurance, including processes
- Error resolution and information request requirements
- Default management requirements: early intervention requirements, access to personnel, continuity of contact, and the loss mitigation application process
- Loss mitigation principles – regulators’ primary concern
Mortgage Servicing Compliance Requirements & Updates – Part 2
August 12, 2026 | 10:00 am – 12:00 pm CT
An in-depth discussion of the legal and regulatory requirements of servicing consumer mortgage loans, including when loans are current as well as when the borrower is delinquent or in default.
Part 2:
- Reg. Z requirements, including periodic statements, payoff statements, and escrows
- Flood insurance escrow requirements
- Force-placed insurance
- Foreclosure provisions
- Debt collection, including the FDCPA and Reg. F
- Fair lending and UDAP/UDAAP issues
Who Should Attend
This session is ideal for anyone in the institution having responsibility for servicing consumer mortgage loans, including processors, customers service representatives, and others; as well as employees and loss mitigation and special assets groups.