Federal Mortgage Law · 24% of the SAFE exammedium
Correct answer: RESPA, TILA, HMDA, and ECOA
The CFPB was designed to consolidate enforcement of key consumer financial laws including RESPA (Real Estate Settlement Procedures Act), TILA (Truth in Lending Act), HMDA (Home Mortgage Disclosure Act), and ECOA (Equal Credit Opportunity Act). The Sherman Act and Sarbanes-Oxley address antitrust and securities fraud respectively. The Bank Secrecy Act and PATRIOT Act deal with anti-money laundering. The CRA and National Bank Act are primarily bank regulation tools, not CFPB-enforced consumer laws.
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