Mortgage Servicing Escrow Accts Public Guidance Docs 2 – Where can I find the Escrow Disclosure Public Guidance Documents? Do these documents differ from HUD’s Escrow Disclosure Public Guidance Documents?

Compliance > Regulation X and Z - Servicing
Q:   Where can I find the Escrow Disclosure Public Guidance Documents? Do these documents differ from HUD’s Escrow Disclosure Public Guidance Documents?
 
A:   (UPDATED 6/2/2021): The Escrow Disclosure Public Guidance Documents can be found on the Bureau’s Mortgage servicing webpage and the RESPA webpage under the “additional materials” section. The Bureau has maintained HUD’s definition of Public Guidance Documents in Regulation X since assuming authority for RESPA and its implementing regulation, Regulation X, in 2011. The Bureau has not issued any new escrow disclosure Public Guidance Documents under RESPA or any other statements about the HUD Public Guidance Documents.
 
The Bureau maintains a list of escrow disclosure appendices that were removed from the CFR and converted into Public Guidance Documents by HUD’s 1996 Streamlining Final Rule. 61 FR 13232 (Mar. 26, 1996). Public Guidance Documents are not “rules, regulations, or interpretations” of the Bureau for purposes of RESPA section 19(b). 12 CFR § 1024.4(a)(2)
 
Examples of escrows disclosure appendices in Public Guidance Documents include:
 
 
 
This Q&A was contained in the CFPB’s Mortgage Servicing FAQs – version 3, as of June 2, 2021 (which may be updated from time to time).  This may be found on the CFPB’s website here:  https://files.consumerfinance.gov/f/documents/cfpb_mortgage-servicing_frequently-asked-questions.pdf
 

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