Federal Mortgage Law · 24% of the SAFE exammedium
Correct answer: No — a QWR must be written, and a phone call does not qualify
This is NOT a QWR because it is VERBAL. QWRs must be in writing (letter, fax, or email). A phone call — no matter how detailed — does not trigger QWR protections under RESPA. The servicer should still address the concern professionally, but the formal timelines (5-day acknowledgment, 30-day response, 60-day credit reporting protection) do not apply. If the borrower sends the same complaint in writing, it becomes a QWR and all protections attach.
CRAM ARCADE has the full NMLS question bank, timed practice exams, focus drills on your weakest category, flashcards and spaced repetition. No credit card.
Start studying free