🇺🇸 Live Construction & Real Estate

RESPA / Regulation X (12 CFR 1024)

Governs the servicing of federally related mortgage loans and requires disclosures to borrowers about settlement costs, escrow accounts, and mortgage servicing transfers. Applies to mortgage lenders, brokers, and servicers.

View official source document

Rules extracted

766

Obligations decomposed

24.7x

Avg obligations per rule

🇺🇸 United States

Jurisdiction

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

766

Obligations

24.7x

Decomposition ratio

Each rule is decomposed into an average of 24.7 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 766 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in Regulation X is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: RESPA / Regulation X (12 CFR 1024)
Regulatory body: Consumer Financial Protection Bureau
Jurisdiction: 🇺🇸 United States
Document type: regulation
Effective date: June 20, 1975
Industry: Construction & Real Estate
Official source: View source document ↗

Who this applies to

mortgage lendersmortgage servicerssettlement agentstitle companies

Key requirements

good faith estimate requirements
settlement cost disclosures
escrow account management
loss mitigation procedures
servicing transfer notices
force-placed insurance limits

Frequently asked questions about Regulation X

What is Regulation X?

Who does Regulation X apply to?

Regulation X applies to mortgage lenders, mortgage servicers, settlement agents, title companies.

How many obligations does Regulation X contain?

AuditDSS has decomposed Regulation X into 766 atomic obligations from 31 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of Regulation X?

The key requirements include: good faith estimate requirements, settlement cost disclosures, escrow account management, loss mitigation procedures, servicing transfer notices, force-placed insurance limits.

How can I assess my Regulation X compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 766 Regulation X obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces Regulation X?

Regulation X is enforced in United States by Consumer Financial Protection Bureau.

When did Regulation X come into effect?

Regulation X became effective on June 20, 1975.

What industry does Regulation X apply to?

Regulation X is primarily relevant to the Construction & Real Estate industry. AuditDSS covers 82 regulations in this industry sector.

Build a Regulation X compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for Regulation X — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering Regulation X requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine Regulation X with other regulations into a single unified compliance pack for your business.

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Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 766 obligations

Your document is scored against every obligation in Regulation X. Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.