Title XIV Rules: Mortgage Servicing

In order to help financial institutions understand, implement, and comply with our mortgage servicing rules, we provide guides, bulletins, tools and other implementation materials. 

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On Oct. 18, 2017, the Bureau updated the Executive Summary of the 2016 Mortgage Servicing Rule and version 3.0 of the Small Entity Compliance Guide to incorporate the changes made by the Oct. 4, 2017, interim final rule.


Rules listed newest to oldest by publication date.

Proposed rules Final rules
Regulation Z

Regulation X

  • - Dec. 15, 2014
  • - July 2, 2013
  • - May 2, 2013
  • - Sept. 17, 2012


Version 3.0 - Small Entity Compliance Guide  

This guide incorporates amendments made to mortgage servicing provisions in Regulation X and Regulation Z by the 2016 Mortgage Servicing final rule. Most of the provisions discussed in this guide take effect Oct. 19, 2017, while the amendments relating to successors in interest and the amendments relating to periodic statements for borrowers in bankruptcy take effect April 19, 2018.

Version 2.2 - Small Entity Compliance Guide

This guide is a summary of the mortgage servicing provisions in effect prior to the effective dates of the 2016 Mortgage Servicing final rule.

Quick references

These summaries, charts, and reference materials offer an easy way to understand rules and see which rules are likely to apply to certain products or businesses. These references aren’t substitutes for the regulation text and official commentary, but they can give you an idea of where to start.

Supervision and examination materials

Our Supervision and Examination Manual is a guide to how we will supervise and examine consumer financial service providers under our jurisdiction for compliance with federal consumer financial law. The Mortgage Servicing Examination Procedures detail how we supervise mortgage servicers.

We periodically publish key findings from our exams in Supervisory Highlights. In June 2016, we published a Mortgage Servicing Special Edition

Additional materials

Servicers can use our mortgage help page to find information they can use to meet servicing disclosure requirements to provide access to the HUD list of homeownership counselors and counseling organizations, and to find the website to access contact information for state housing finance authorities.