Real Estate Settlements Procedures Act

Consumer Protection You Can Trust

When it comes to the real estate industry, consumers have rights that need to be protected. This is why our firm uses our extensive experience to help clients hold violators of RESPA regulations accountable for their wrongdoings. We encourage you to reach out to our team at Sulaiman Law Group and learn what options you may have.

Our firm can help by:

Protecting you from wrongdoing
Seeking compensation for any RESPA violations
Safeguarding your best interests
Securing the outcome you desire

The Real Estate Settlements Procedures Act is a law that was passed by the U.S. Congress in 1974 in order to protect homeowners. The goal of the act is to make sure homeowners are educated when it comes to real estate services. The protections provided to consumers are meant to keep them from being taken advantage of during this time and making it so the real estate agent or loan servicer must abide by the regulations set forth by RESPA.

Some of the protections provided under RESPA include:

Loan servicers may not provide consumer reporting agencies specific information regarding overdue payments during the 60-day qualified written request.
Persons are prohibited from accepting or giving anything that would constitute as value for a referral of the settlement service business regarding mortgage loans.
Persons are prohibited from giving or receiving kickbacks.
Sellers of a home are prohibited from setting forth requirements that the buyer use a specific company for settlement services as part of a condition of sale.

Atlas Consumer Law: Protecting Your Rights

If anyone is found to be in violation of RESPA regulations, there are various damages and fines that may be assessed. For instance, violations of Section 8 of RESPA are subject to both criminal and civil charges, as well as fines reaching up to $10,000. Violations of Section 6 of RESPA may be punishable by damages and costs paid to the persons damaged.

Learn more about the various sections of RESPA and if you have a case. Call (312) 313-1613 today.

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