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New RESPA regulations were published November 17, 2008 and are scheduled to take full effect on January 1, 2010. The "New RESPA Rule FAQs" were comprised from industry questions and should provide answers to most if not all of your questions.<BR><BR>RESPA is about settlement procedures and closing costs, and is enforced by HUD.&nbsp; RESPA requires that consumers receive disclosures at various times in the transaction.&nbsp; In addition it outlaws kickbacks that increase the cost of settlement services.&nbsp; RESPA is a HUD consumer protection statute designed to help homebuyers be better shoppers in the home buying process. </font></p> </div> <div align="left"> </div> <div align="center"> </div> </td> <td valign="top" bgcolor="#d2bf99"> <div align="center"> <font color="#ac3900" face="Helvetica, Geneva, Arial, SunSans-Regular, sans-serif"><strong> RESPA FAQs</strong></font> </div> <p><font size="2" color="#ac3900" face="Helvetica, Geneva, Arial, SunSans-Regular, sans-serif"><em><strong></strong></em></font>&nbsp;</p> <p> <font size="2" face="Helvetica, Geneva, Arial, SunSans-Regular, sans-serif"> <UL> <LI><A HREF="http://www.hud.gov/utilities/intercept.cfm?/offices/hsg/ramh/res/resparulefaqs.pdf" TARGET="_BLANK">New RESPA Rule FAQs</A> <LI><A HREF="http://www.hud.gov/utilities/intercept.cfm?/offices/hsg/ramh/res/finalrule.pdf"TARGET="_BLANK">RESPA Final Rule</A> <LI><A HREF="http://www.hud.gov/utilities/intercept.cfm?/offices/hsg/ramh/res/fr509.pdf"TARGET="_BLANK">Withdrawal of Revised Definition of "Required Use"</A> <LI><A HREF="http://www.hud.gov/utilities/intercept.cfm?/offices/hsg/ramh/res/gfestimate.pdf"TARGET="_BLANK">Good Faith Estimate</A> <LI><A HREF="http://www.hud.gov/utilities/intercept.cfm?/offices/hsg/ramh/res/hud1.pdf"TARGET="_BLANK">HUD-1</A> <LI><A HREF="http://www.hud.gov/utilities/intercept.cfm?/offices/hsg/ramh/res/hud1-a.pdf"TARGET="_BLANK">HUD1-A</A> <LI><A HREF="http://www.hud.gov/utilities/intercept.cfm?/offices/hsg/ramh/res/impactanalysis.pdf"TARGET="_BLANK">Regulatory Impact Analysis</A> <BR> </UL> <UL> <LI><A HREF="http://www.hud.gov/offices/hsg/ramh/res/respamor.cfm"TARGET="_BLANK">More about RESPA</A> <LI><A HREF="http://www.hud.gov/local/index.cfm"TARGET="_BLANK">Information by State</A> </UL> <BR><BR> <EM>The links above will take you to the official HUD website.</EM> </font></p> </td> </tr> </table> </td> <td> </td> </tr> <tr> <td colspan="12"> <img src="images/qcwebmain_21.jpg" alt="" width="811" height="2"></td> </tr> <tr> <td> <img src="images/qcwebmain_22.jpg" alt="" width="19" height="34"></td> <td colspan="10" bgcolor="black" style="height: 62px"> <div align="center"> <font size="-2" color="white" face="Helvetica, Geneva, Arial, SunSans-Regular, sans-serif"> <br /> <div align="center"> <xtd><a href="http://www.qcmortgage.com/form.aspx" onmouseover="changeImages('qcwebmain_contact-us', 'images/qcwebmain_contact-us-over.jpg'); 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