Authors: James H. Pannabecker, Esq. and David McF. Stemler, Esq.
Format: Two 3-ring binders
Frequency:
2 updates annually
Price: $499
Plus shipping and handling.
Sales Tax: for NY, TX, DC, CT orders only.
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Real estate lenders need to know how to comply with all the requirements under the Real Estate Settlement Procedures Act (RESPA) and Regulation X.
Pratt’s RESPA Manual details all compliance requirements under RESPA and Regulation X. Topics covered include broker fees, computer loan originations, escrow account rules, and mortgage servicing transfers. The manual also provides you with useful sample disclosures and checklists. The manual features full-text appendixes covering essential resource materials, including the latest text of the RESPA statute and Regulation X, Department of Housing and Urban Development (HUD) and Federal Reserve Board (FRB) booklets, interpretations, statements of policy, and important HUD rulings. Key court rulings are also summarized. Editorial annotations help you find key points and quickly identify important changes, and practical tips help you quickly resolve common problems.
Pratt’s RESPA Manual explains compliance in areas such as:
- Good faith estimates
- Broker fees
- Volume-based compensation
- Secondary market compensation
- Escrow account rules
- Gifts to settlement service providers
- Initial and closing disclosures
- Enforcement provisions
- Title companies
- Mortgage servicing transfers
- Employer-employee compensation
- Computer loan origination systems
- Controlled business arrangement disclosures
- Sham controlled business arrangements
- Rental of office space
- Lock outs
- Retaliation
To help your staff comply with all requirements under RESPA and Regulation X, order The RESPA Manual now!
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 author/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. Mr. Stemler is a graduate of Pennsylvania State University and the University of Pittsburgh School of Law. He is a member of the bar in Pennsylvania and the District of Columbia.
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