source:
  type: regulation
  id: reg-x-1024.4
  authority: 12 CFR §1024.4 — Reliance upon rule, regulation, or interpretation by
    the Bureau (Regulation X)
  description: 12 CFR §1024.4 — Reliance upon rule, regulation, or interpretation
    by the Bureau.
  coverage_tier: context
obligations:
- id: reg-x-1024.4-full
  canonical_id: reg-x-1024.4-full
  section: 12 CFR §1024.4 — Reliance upon rule, regulation, or interpretation by the
    Bureau
  type: reference
  tags:
  - regulator-direct
  - respa
  - corpus-expansion
  - tier-context
  primary_source:
    tier: 1
    authority: 12 CFR §1024.4 — Reliance upon rule, regulation, or interpretation
      by the Bureau
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.4
    snapshot_id: 8acb39d4bf6101fc
    fetched_at: '2026-06-17T17:21:37Z'
    content_hash: sha256:5cf510aaa3006d1d3fa46d8e0246cf3c2c2b35825b4303136696c6392c7b0daf
    paragraph_quote: '§ 1024.4 Reliance upon rule, regulation, or interpretation by
      the Bureau . (a) Rule, regulation or interpretation. (1) For purposes of sections
      19(a) and (b) of RESPA ( 12 U.S.C. 2617(a) and (b)), only the following constitute
      a rule, regulation or interpretation of the Bureau: (i) All provisions, including
      appendices and supplements, of this part. Any other document referred to in
      this part is not incorporated in this part unless it is specifically set out
      in this part; (ii) Any other document that is published in the Federal Register
      by the Bureau and states that it is an “interpretation,” “interpretive rule,”
      “commentary,” or a “statement of policy” for purposes of section 19(a) of RESPA
      . Except in unusual circumstances, interpretations will not be issued separately
      but will be incorporated in an official interpretation to this part, which will
      be amended periodically. (2) A “rule, regulation, or interpretation thereof
      by the Bureau” for purposes of section 19(b) of RESPA ( 12 U.S.C. 2617(b) )
      shall not include the special information booklet prescribed by the Bureau or
      any other statement or issuance, whether oral or written, by an officer or representative
      of the Bureau , letter or memorandum by the Director , General Counsel , or
      other officer or employee of the Bureau , preamble to a regulation or other
      issuance of the Bureau , Public Guidance Document, report to Congress , pleading,
      affidavit or other document in litigation, pamphlet, handbook, guide, telegraphic
      communication, explanation, instructions to forms, speech or other material
      of any nature which is not specifically included in paragraph (a)(1) of this
      section. (b) All informal counsel ''s opinions and staff interpretations issued
      by HUD before November 2, 1992, were withdrawn as of that date. Courts and administrative
      agencies, however, may use previous opinions to determine the validity of conduct
      under the previous Regulation X. [ 76 FR 78981 , Dec. 20, 2011, as amended at
      78 FR 10874 , Feb. 14, 2013]'
  judgment: false
