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2013 RESPA Servicing Rule Assessment Report

The Dodd-Frank Wall Street Reform and Consumer Protection Act requires the Bureau of Consumer Financial Protection (Bureau) to review some of its rules within five years after they take effect. These formal reviews are called assessments. The Bureau’s 2013 RESPA Mortgage Servicing Rule took effect on Jan. 10, 2014, and this report publishes the findings of the Bureau’s assessment of the Rule. In general, the 2013 RESPA Mortgage Servicing Rule gave borrowers new consumer protections related to mortgage loan servicing, many of which were aimed at helping consumers who were having trouble making their mortgage payments. In its assessment, the Bureau used both its own research and external sources to evaluate the effectiveness of the Rule in meeting (1) the purposes and objectives of the Bureau and (2) the specific goals of the Rule as stated by the Bureau prior to the Rule’s effective date. 

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