Practice Areas

Consumer Rights

Real Estate Settlement Procedures Act (RESPA) Violations

Procedures Act (“RESPA”) is a consumer protection law that attempts to simplify the process for homebuyers. Among other things, RESPA (1) requires certain disclosures so that home purchasers can make better informed decisions, and (2) prohibits certain unlawful practices that drive up costs for home buyers. Our class action attorneys at Nichols Kaster have experience litigating cases nationwide against mortgage lenders for RESPA violations and we would like to hear from you.

You may have experienced a RESPA violation if your lender:

  • Failed to provide you with a good faith estimate of the interest rate and fees that you will be charged in connection with a mortgage loan within three days of applying for a loan;
  • Charged you fees at closing that were not disclosed on your good faith estimate or were higher than disclosed;
  • Required you to use an affiliated title insurance company;
  • Received kickbacks from a settlement agent, title insurance company, flood zone determination vendor, or other business that provided products or services in connection with the closing of your loan; or
  • Held excessive amounts in escrow or mishandled your escrow funds.
Anna P. Prakash

Consumer Law Attorney
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Please contact us if you have been subject to any of these violations or any other unfair or illegal practices related to the home buying process.