The CFPB regulates which of the following acts?

• A. RESPA, TILA, ECOA, and HMDA
• B. RESPA only
• C. TILA and ECOA only
• D. HMDA only

Answer: (A)

The main idea is that the CFPB has broad authority over several key consumer mortgage laws to protect borrowers and ensure clear, fair lending. Real Estate Settlement Procedures Act (RESPA) sets required disclosures and settlement procedures so borrowers understand costs and services in the mortgage process. Truth in Lending Act (TILA) requires clear disclosure of loan terms and costs so consumers can compare offers. Equal Credit Opportunity Act (ECOA) prohibits discrimination in lending and supports fair access to credit. Home Mortgage Disclosure Act (HMDA) requires lenders to report data on mortgage lending to monitor for patterns of discrimination and access.

Because the CFPB regulates all of these major acts, the option that lists RESPA, TILA, ECOA, and HMDA best reflects the CFPB’s oversight. Choices that mention only one act or only a subset miss the broader authority the CFPB holds over these core consumer mortgage laws.