source:
  type: regulation
  id: reg-x-1024.20
  authority: 12 CFR §1024.20 — List of homeownership counseling organizations
  description: 'Regulation X §1024.20 implements RESPA §2604(c) and Dodd-Frank §1450.

    Requires [LENDER] to provide every loan applicant with a clear and

    conspicuous written list of HUD-certified homeownership counseling

    organizations in the applicant''s location not later than three

    business days after the lender, mortgage broker, or dealer receives

    an application (or information sufficient to complete an application).

    The list must be obtained no earlier than 30 days prior to delivery

    from either the Bureau''s website tool or Bureau/HUD-released data.

    Exemptions: reverse mortgages subject to 12 CFR 1026.33(a) and

    timeshare-secured loans. The duty may be discharged by the mortgage

    broker or dealer if they elect to do so, but [LENDER] remains

    responsible for ensuring the list is delivered.

    '
obligations:
- id: reg-x-1024.20-full
  canonical_id: reg-x-1024.20-full
  section: '12 CFR §1024.20 — List of homeownership '
  description: CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU > PART 1024—REAL ESTATE SETTLEMENT PROCEDURES
    ACT (REGULATION X) > Subpart B—Mortgage Settlement and Escrow Accounts > § 1024.20 List of homeownership
    counseling organizations." /> 12 CFR § 1024.20 - List of homeownership counseling organizations. |
    Ele…
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.20(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
    snapshot_id: c5602dacbd4d2a62
    fetched_at: '2026-05-24T19:33:56Z'
    content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
    paragraph_quote: CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU > PART 1024—REAL ESTATE SETTLEMENT
      PROCEDURES ACT (REGULATION X) > Subpart B—Mortgage Settlement and Escrow Accounts > § 1024.20 List
      of homeownership counseling organizations." /> 12 CFR § 1024.20 - List of homeownership counseling
      organizations. | Electronic Code of Federal Regulations (e-CFR) | US Law | LII / Legal Information
      Institute Please help us improve our site! &times; No thank you Skip to main content Cornell Law
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      Help out Give Sponsor Advertise Create Promote Join Lawyer Directory LII Electronic Code of Federal
      Regulations (e-CFR) Title 12—Banks and Banking CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU PART
      1024—REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) Subpart B—Mortgage Settlement and Escrow
      Accounts § 1024.20 List of homeownership counseling organizations. 12 CFR § 1024.20 - List of homeownership
      counseling organizations. CFR Table of Popular Names § 1024.20 List of homeownership counseling
      organizations.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot c5602dacbd4d2a62; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.20-a
  canonical_id: reg-x-1024.20-a
  section: '12 CFR §1024.20 — List of homeownership '
  description: '(a): (a) Provision of list. (1) Except as otherwise provided in this section, not later
    than three business days after a lender , mortgage broker , or dealer receives an application , or
    information sufficient to complete an application , the lender must provide the loan applicant with
    a clear and conspi…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.20(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
    snapshot_id: c5602dacbd4d2a62
    fetched_at: '2026-05-24T19:33:56Z'
    content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
    paragraph_quote: '(a) Provision of list. (1) Except as otherwise provided in this section, not later
      than three business days after a lender , mortgage broker , or dealer receives an application ,
      or information sufficient to complete an application , the lender must provide the loan applicant
      with a clear and conspicuous written list of homeownership counseling organizations that provide
      relevant counseling services in the loan applicant ''s location. The list of homeownership counseling
      organizations distributed to each loan applicant under this section shall be obtained no earlier
      than 30 days prior to the time when the list is provided to the loan applicant from either:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot c5602dacbd4d2a62; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.20-i
  canonical_id: reg-x-1024.20-i
  section: '12 CFR §1024.20 — List of homeownership '
  description: '(i): (i) The Web site maintained by the Bureau for lenders to use in complying with the
    requirements of this section; or (ii) Data made available by the Bureau or HUD for lenders to use
    in complying with the requirements of this section, provided that the data is used in accordance with
    instructions prov…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.20(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
    snapshot_id: c5602dacbd4d2a62
    fetched_at: '2026-05-24T19:33:56Z'
    content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
    paragraph_quote: (i) The Web site maintained by the Bureau for lenders to use in complying with the
      requirements of this section; or (ii) Data made available by the Bureau or HUD for lenders to use
      in complying with the requirements of this section, provided that the data is used in accordance
      with instructions provided with the data. (2) The list of homeownership counseling organizations
      provided under this section may be combined and provided with other mortgage loan disclosures required
      pursuant to Regulation Z , 12 CFR part 1026 , or this part unless prohibited by Regulation Z or
      this part. (3) A mortgage broker or dealer may provide the list of homeownership counseling organizations
      required under this section to any loan applicant from whom it receives or for whom it prepares
      an application . If the mortgage broker or dealer has provided the required list of homeownership
      counseling organizations, the lender is not required to provide an additional list. The lender is
      responsible for ensuring that the list of homeownership counseling organizations is provided to
      a loan applicant in accordance with this section. (4) If the lender , mortgage broker , or dealer
      does not provide the list of homeownership counseling organizations required under this section
      to the loan applicant in person , the lender must mail or deliver the list to the loan applicant
      by other means. The list may be provided in electronic form, subject to compliance with the consumer
      consent and other applicable provisions of the Electronic Signatures in Global and National Commerce
      Act (E-Sign Act), 15 U.S.C. 7001 et seq. (5) The lender is not required to provide the list of homeownership
      counseling organizations required under this section if, before the end of the three-business-day
      period provided in paragraph (a)(1) of this section, the lender denies the application or the loan
      applicant withdraws the application . (6) If a mortgage loan transaction involves more than one
      lender , only one list of homeownership counseling organizations required under this section shall
      be given to the loan applicant and the lenders shall agree among themselves which lender will comply
      with the requirements that this section imposes on any or all of them. If there is more than one
      loan applicant , the required list of homeownership counseling organizations may be provided to
      any loan applicant with primary liability on the mortgage loan obligation.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot c5602dacbd4d2a62; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.20-b
  canonical_id: reg-x-1024.20-b
  section: '12 CFR §1024.20 — List of homeownership '
  description: '(b): (b) Open-end lines of credit (home-equity plans) under Regulation Z. For a federally
    related mortgage loan that is a home-equity line of credit subject to Regulation Z , 12 CFR 1026.40
    , a lender or mortgage broker that provides the loan applicant with the list of homeownership organizations
    require…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.20(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
    snapshot_id: c5602dacbd4d2a62
    fetched_at: '2026-05-24T19:33:56Z'
    content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
    paragraph_quote: (b) Open-end lines of credit (home-equity plans) under Regulation Z. For a federally
      related mortgage loan that is a home-equity line of credit subject to Regulation Z , 12 CFR 1026.40
      , a lender or mortgage broker that provides the loan applicant with the list of homeownership organizations
      required under this section may comply with the timing and delivery requirements set out in either
      paragraph (a) of this section or 12 CFR 1026.40 (b).
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot c5602dacbd4d2a62; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.20-c
  canonical_id: reg-x-1024.20-c
  section: '12 CFR §1024.20 — List of homeownership '
  description: '(c): (c) Exemptions —(1) Reverse mortgage transactions. A lender is not required to provide
    an applicant for a reverse mortgage transaction subject to 12 CFR 1026.33 (a) the list of homeownership
    counseling organizations required under this section. (2) Timeshare plans. A lender is not required
    to provid…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.20(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.20
    snapshot_id: c5602dacbd4d2a62
    fetched_at: '2026-05-24T19:33:56Z'
    content_hash: sha256:f71722e3e3761cf847082167becabf743d2d02c2857fb9ab6dfe66306edad9e2
    paragraph_quote: (c) Exemptions —(1) Reverse mortgage transactions. A lender is not required to provide
      an applicant for a reverse mortgage transaction subject to 12 CFR 1026.33 (a) the list of homeownership
      counseling organizations required under this section. (2) Timeshare plans. A lender is not required
      to provide an applicant for a mortgage loan secured by a timeshare, as described under 11 U.S.C.
      101(53D) , the list of homeownership counseling organizations required under this section. [ 78
      FR 6961 , Jan. 31, 2013] Electronic Signatures in Global and National Commerce Act CFR Toolbox Law
      about... Articles from Wex Table of Popular Names Parallel Table of Authorities Accessibility About
      LII Contact us Advertise here Help Terms of use Privacy
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot c5602dacbd4d2a62; body
      isolated between nav and notes; substring-verified.
  judgment: false
