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called the Real Estate Settlement Procedures Act, commonly known in the industry as RESPA. Now the original intent when this law was passed back in 1975, was that it was designed to protect the consumer, so the consumer who was out getting a loan would have a disclosure of the cost associated with borrowing that money. Now certainly since 1975, this particular law has broadened quite a bit. Now on your screen, there is one thing that you probably should know for your Real Estate Licensing Exam, and that is that there is a federal agency called the Consumer Finance Protection Bureau, or what we like to call the CFPB. That is the federal agency that is tasked with enforcing the Real Estate Settlement Procedures Act rules and regulations. Alright, so thats probably somethin that you need to know for your licensing exam. So the overview, what are we going to learn here today, or what does RESPA entail? Well, it requires certain disclosures of settlement cost, or what we call closing cost
