With increased regulatory scrutiny on marketing service agreements, referral fees, and a new political administration changing dynamics for lenders, this session will explore the evolving landscape of the Real Estate Settlement Procedures Act. Attendees will gain critical insights into navigating the complexities of the rules, exploring how lenders can modernize compliance practices and foster beneficial relationships with real estate partners. The session will focus on balancing consumer protection and transparency with the need for competitive, efficient loan origination.

While federal regulatory oversight may appear to be in flux, states are stepping up to fill the void, creating a new compliance landscape for mortgage professionals. This presents a challenge for many mortgage lenders and servicers, who now face the prospect of navigating a patchwork of 50 different state regulations rather than a single federal standard. This session will explore how to develop a cost-effective strategy for managing these new challenges, including key legislative and enforcement trends, and what to expect from state regulators.