CFPB Renews Real Estate Paperwork With Millions of Annual Hours
Published Date: 10/30/2026
Notice
Summary
The Consumer Financial Protection Bureau wants to keep collecting info under the Real Estate Settlement Procedures Act, which helps protect people during home buying. This affects businesses in real estate and mortgage services, with about 9,377 respondents spending over 1.8 million hours yearly on paperwork. You’ve got until December 29, 2026, to share your thoughts before they decide to renew this paperwork collection.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Large paperwork burden on businesses
The CFPB is seeking to renew information collection under Regulation X (RESPA) that affects the private sector. The Bureau estimates 9,377 respondents and a total annual paperwork burden of 1,811,553 hours related to various disclosure and recordkeeping requirements.
Consumer protections through home-buying disclosures
Regulation X (12 CFR 1024.1 et seq.) implements RESPA disclosures that consumers use when buying homes. The disclosures are meant to help you compare settlement service providers, review final settlement terms, know whom to contact about mortgage questions, and identify or protect yourself against inaccurate or questionable loan servicing practices.
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Key Dates
Department and Agencies
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