source:
  type: regulation
  id: reg-x-1024.36
  authority: 12 CFR §1024.36 — Requests for information
  description: 'Regulation X §1024.36 sets the procedural framework for servicer

    response to written borrower requests for information: 5-day

    acknowledgment, 30-day response (10-day for owner/assignee identity

    requests), 15-day extension for general RFIs (no extension for

    owner-identity RFIs), no-fee-as-condition.

    '
obligations:
- id: reg-x-1024.36-a
  canonical_id: reg-x-1024.36-a
  section: 12 CFR §1024.36(a)
  description: '(a): (a) Information request. A servicer shall comply with the requirements of this section
    for any written request for information from a borrower that includes the name of the borrower, information
    that enables the servicer to identify the borrower''s mortgage loan account, and states the information
    th…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: (a) Information request. A servicer shall comply with the requirements of this section
      for any written request for information from a borrower that includes the name of the borrower,
      information that enables the servicer to identify the borrower's mortgage loan account, and states
      the information the borrower is requesting with respect to the borrower's mortgage loan . A request
      on a payment coupon or other payment form supplied by the servicer need not be treated by the servicer
      as a request for information. A request for a payoff balance need not be treated by the servicer
      as a request for information. A qualified written request that requests information relating to
      the servicing of the mortgage loan is a request for information for purposes of this section, and
      a servicer must comply with all requirements applicable to a request for information with respect
      to such qualified written request .
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-b
  canonical_id: reg-x-1024.36-b
  section: 12 CFR §1024.36(b)
  description: '(b): (b) Contact information for borrowers to request information. A servicer may, by
    written notice provided to a borrower, establish an address that a borrower must use to request information
    in accordance with the procedures in this section. The notice shall include a statement that the borrower
    must …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: (b) Contact information for borrowers to request information. A servicer may, by
      written notice provided to a borrower, establish an address that a borrower must use to request
      information in accordance with the procedures in this section. The notice shall include a statement
      that the borrower must use the established address to request information. If a servicer designates
      a specific address for receiving information requests, a servicer shall designate the same address
      for receiving notices of error pursuant to § 1024.35(c) . A servicer shall provide a written notice
      to a borrower before any change in the address used for receiving an information request. A servicer
      that designates an address for receipt of information requests must post the designated address
      on any Web site maintained by the servicer if the Web site lists any contact address for the servicer
      .
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-c
  canonical_id: reg-x-1024.36-c
  section: 12 CFR §1024.36(c)
  description: '(c): (c) Acknowledgment of receipt. Within five days (excluding legal public holi days
    , Satur days , and Sun days ) of a servicer receiving an information request from a borrower, the
    servicer shall provide to the borrower a written response acknowledging receipt of the information
    request.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: (c) Acknowledgment of receipt. Within five days (excluding legal public holi days
      , Satur days , and Sun days ) of a servicer receiving an information request from a borrower, the
      servicer shall provide to the borrower a written response acknowledging receipt of the information
      request.
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-d
  canonical_id: reg-x-1024.36-d
  section: 12 CFR §1024.36(d)
  description: '(d): (d) Response to information request —(1) Investigation and response requirements.
    Except as provided in paragraphs (e) and (f) of this section, a servicer must respond to an information
    request by either:'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: '(d) Response to information request —(1) Investigation and response requirements.
      Except as provided in paragraphs (e) and (f) of this section, a servicer must respond to an information
      request by either:'
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-i
  canonical_id: reg-x-1024.36-i
  section: 12 CFR §1024.36(i)
  description: '(i): (i) Providing the borrower with the requested information and contact information,
    including a telephone number, for further assistance in writing; or (ii) Conducting a reasonable search
    for the requested information and providing the borrower with a written notification that states that
    the service…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: '(i) Providing the borrower with the requested information and contact information,
      including a telephone number, for further assistance in writing; or (ii) Conducting a reasonable
      search for the requested information and providing the borrower with a written notification that
      states that the servicer has determined that the requested information is not available to the servicer
      , provides the basis for the servicer ''s determination, and provides contact information, including
      a telephone number, for further assistance. (2) Time limits —(i) In general. A servicer must comply
      with the requirements of paragraph (d)(1) of this section: (A) Not later than 10 days (excluding
      legal public holi days , Satur days , and Sun days ) after the servicer receives an information
      request for the identity of, and address or other relevant contact information for, the owner or
      assignee of a mortgage loan ; and (B) For all other requests for information, not later than 30
      days (excluding legal public holi days , Satur days , and Sun days ) after the servicer receives
      the information request. (ii) Extension of time limit. For requests for information governed by
      the time limit set forth in paragraph (d)(2)(i)(B) of this section, a servicer may extend the time
      period for responding by an additional 15 days (excluding legal public holi days , Satur days ,
      and Sun days ) if, before the end of the 30-day period, the servicer notifies the borrower of the
      extension and the reasons for the extension in writing. A servicer may not extend the time period
      for requests for information governed by paragraph (d)(2)(i)(A) of this section. (3) Omissions in
      responses to requests. In its response to a request for information, a servicer may omit location
      and contact information and personal financial information (other than information about the terms,
      status, and payment history of the mortgage loan) if:'
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-i
  canonical_id: reg-x-1024.36-i
  section: 12 CFR §1024.36(i)
  description: '(i): (i) The information pertains to a potential or confirmed successor in interest who
    is not the requester; or (ii) The requester is a confirmed successor and the information pertains
    to any borrower who is not the requester.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: (i) The information pertains to a potential or confirmed successor in interest who
      is not the requester; or (ii) The requester is a confirmed successor and the information pertains
      to any borrower who is not the requester.
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-e
  canonical_id: reg-x-1024.36-e
  section: 12 CFR §1024.36(e)
  description: '(e): (e) Alternative compliance. A servicer is not required to comply with paragraphs
    (c) and (d) of this section if the servicer provides the borrower with the information requested and
    contact information, including a telephone number, for further assistance in writing within five days
    (excluding legal…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: (e) Alternative compliance. A servicer is not required to comply with paragraphs
      (c) and (d) of this section if the servicer provides the borrower with the information requested
      and contact information, including a telephone number, for further assistance in writing within
      five days (excluding legal public holi days , Satur days , and Sun days ) of receiving an information
      request.
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-f
  canonical_id: reg-x-1024.36-f
  section: 12 CFR §1024.36(f)
  description: '(f): (f) Requirements not applicable —(1) In general. A servicer is not required to comply
    with the requirements of paragraphs (c) and (d) of this section if the servicer reasonably determines
    that any of the following apply:'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: '(f) Requirements not applicable —(1) In general. A servicer is not required to comply
      with the requirements of paragraphs (c) and (d) of this section if the servicer reasonably determines
      that any of the following apply:'
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-i
  canonical_id: reg-x-1024.36-i
  section: 12 CFR §1024.36(i)
  description: '(i): (i) Duplicative information. The information requested is substantially the same
    as information previously requested by the borrower for which the servicer has previously complied
    with its obligation to respond pursuant to paragraphs (c) and (d) of this section. (ii) Confidential,
    proprietary or pri…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: (i) Duplicative information. The information requested is substantially the same
      as information previously requested by the borrower for which the servicer has previously complied
      with its obligation to respond pursuant to paragraphs (c) and (d) of this section. (ii) Confidential,
      proprietary or privileged information. The information requested is confidential, proprietary or
      privileged. (iii) Irrelevant information. The information requested is not directly related to the
      borrower's mortgage loan account. (iv) Overbroad or unduly burdensome information request. The information
      request is overbroad or unduly burdensome. An information request is overbroad if a borrower requests
      that the servicer provide an unreasonable volume of documents or information to a borrower. An information
      request is unduly burdensome if a diligent servicer could not respond to the information request
      without either exceeding the maximum time limit permitted by paragraph (d)(2) of this section or
      incurring costs (or dedicating resources) that would be unreasonable in light of the circumstances.
      To the extent a servicer can reasonably identify a valid information request in a submission that
      is otherwise overbroad or unduly burdensome, the servicer shall comply with the requirements of
      paragraphs (c) and (d) of this section with respect to that requested information.
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-v
  canonical_id: reg-x-1024.36-v
  section: 12 CFR §1024.36(v)
  description: '(v): (v) Untimely information request. The information request is delivered to a servicer
    more than one year after: (A) Servicing for the mortgage loan that is the subject of the information
    request was transferred from the servicer receiving the request for information to a transferee servicer
    ; or (B) …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: '(v) Untimely information request. The information request is delivered to a servicer
      more than one year after: (A) Servicing for the mortgage loan that is the subject of the information
      request was transferred from the servicer receiving the request for information to a transferee
      servicer ; or (B) The mortgage loan is discharged. (2) Notice to borrower. If a servicer determines
      that, pursuant to this paragraph (f), the servicer is not required to comply with the requirements
      of paragraphs (c) and (d) of this section, the servicer shall notify the borrower of its determination
      in writing not later than five days (excluding legal public holi days , Satur days , and Sun days
      ) after making such determination. The notice to the borrower shall set forth the basis under paragraph
      (f)(1) of this section upon which the servicer has made such determination.'
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-g
  canonical_id: reg-x-1024.36-g
  section: 12 CFR §1024.36(g)
  description: '(g): (g) Payment requirement limitations —(1) Fees prohibited. Except as set forth in
    paragraph (g)(2) of this section, a servicer shall not charge a fee, or require a borrower to make
    any payment that may be owed on a borrower''s account, as a condition of responding to an information
    request. (2) Fee pe…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: (g) Payment requirement limitations —(1) Fees prohibited. Except as set forth in
      paragraph (g)(2) of this section, a servicer shall not charge a fee, or require a borrower to make
      any payment that may be owed on a borrower's account, as a condition of responding to an information
      request. (2) Fee permitted. Nothing in this section shall prohibit a servicer from charging a fee
      for providing a beneficiary notice under applicable State law, if such a fee is not otherwise prohibited
      by applicable law.
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-h
  canonical_id: reg-x-1024.36-h
  section: 12 CFR §1024.36(h)
  description: '(h): (h) Servicer remedies. Nothing in this section shall prohibit a servicer from furnishing
    adverse information to any consumer reporting agency or pursuing any of its remedies, including initiating
    foreclosure or proceeding with a foreclosure sale, allowed by the underlying mortgage loan instruments,
    …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: (h) Servicer remedies. Nothing in this section shall prohibit a servicer from furnishing
      adverse information to any consumer reporting agency or pursuing any of its remedies, including
      initiating foreclosure or proceeding with a foreclosure sale, allowed by the underlying mortgage
      loan instruments, during the time period that response to an information request notice is outstanding.
    drafter_attestation: Verbatim subsection of 12 CFR §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.36-i
  canonical_id: reg-x-1024.36-i
  section: 12 CFR §1024.36(i)
  description: '(i): (i) Potential successors in interest. (1) With respect to any written request from
    a person that indicates that the person may be a successor in interest and that includes the name
    of the transferor borrower from whom the person received an ownership interest and information that
    enables the service…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.36(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1024.36
    snapshot_id: 9db0c9b55e365309
    fetched_at: '2026-05-22T18:26:29Z'
    content_hash: sha256:05d0fc3de6286b9f12aa09d2d6536f1a292a8a8fce4c0e564c67eea70408323c
    paragraph_quote: (i) Potential successors in interest. (1) With respect to any written request from
      a person that indicates that the person may be a successor in interest and that includes the name
      of the transferor borrower from whom the person received an ownership interest and information that
      enables the servicer to identify the mortgage loan account, a servicer shall respond by providing
      the potential successor in interest with a written description of the documents the servicer reasonably
      requires to confirm the person 's identity and ownership interest in the property and contact information,
      including a telephone number, for further assistance. With respect to the written request, a servicer
      shall treat the potential successor in interest as a borrower for purposes of the requirements of
      paragraphs (c) through (g) of this section. (2) If a written request under paragraph (i)(1) of this
      section does not provide sufficient information to enable the servicer to identify the documents
      the servicer reasonably requires to confirm the person 's identity and ownership interest in the
      property, the servicer may provide a response that includes examples of documents typically accepted
      to establish identity and ownership interest in a property; indicates that the person may obtain
      a more individualized description of required documents by providing additional information; specifies
      what additional information is required to enable the servicer to identify the required documents;
      and provides contact information, including a telephone number, for further assistance. A servicer
      's response under this paragraph (i)(2) must otherwise comply with the requirements of paragraph
      (i)(1). Notwithstanding paragraph (f)(1)(i) of this section, if a potential successor in interest
      subsequently provides orally or in writing the required information specified by the servicer pursuant
      to this paragraph (i)(2), the servicer must treat the new information, together with the original
      request, as a new, non-duplicative request under paragraph (i)(1), received as of the date the required
      information was received, and must respond accordingly. (3) In responding to a request under paragraph
      (i)(1) of this section prior to confirmation, the servicer is not required to provide any information
      other than the information specified in paragraphs (i)(1) and (2) of this section. In responding
      to a written request under paragraph (i)(1) that requests other information, the servicer must indicate
      that the potential successor in interest may resubmit any request for information once confirmed
      as a successor in interest . (4) If a servicer has established an address that a borrower must use
      to request information pursuant to paragraph (b) of this section, a servicer must comply with the
      requirements of paragraph (i)(1) of this section only for requests received at the established address.
      [ 78 FR 10876 , Feb. 14, 2013, as amended at 78 FR 60437 , Oct. 1, 2013; 81 FR 72371 , Oct. 19,
      2016] 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 §1024.36 from Cornell LII snapshot 9db0c9b55e365309;
      body isolated between nav and notes; substring-verified.
  judgment: false
