Who enforces both TILA and RESPA?

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Multiple Choice

Who enforces both TILA and RESPA?

Explanation:
Enforcement of consumer mortgage disclosure rules is centralized in the CFPB. Under the Dodd-Frank Act, the Consumer Financial Protection Bureau became the primary regulator for the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA), including their mortgage disclosures. That means the CFPB handles enforcement for both, rather than the FTC or HUD, which previously had roles in these areas. The IRS is unrelated to mortgage disclosure enforcement.

Enforcement of consumer mortgage disclosure rules is centralized in the CFPB. Under the Dodd-Frank Act, the Consumer Financial Protection Bureau became the primary regulator for the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA), including their mortgage disclosures. That means the CFPB handles enforcement for both, rather than the FTC or HUD, which previously had roles in these areas. The IRS is unrelated to mortgage disclosure enforcement.

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