Replaced GFE, HUD-1 Settlement Statement, and Early TIL Disclosure - TRID, Ensure meeting the housing needs of communities, identify discrimination, determine how to distribute public sector investments - HMDA, To ensure accuracy, fairness and privacy of consumers’ personal info  - FCRA, Facilitate the cancellation of PMI - HPA, Disclose cost & terms of credit, uniform standard for stating costs of credit, ensuring advertising is truthful, right to rescind - TILA, Eliminate discriminatory treatment to credit applicants, promote credit to all worthy applicants - ECOA, Addresses range of issues in mortgage lending & investing, QM, ATR - Dodd- Frank, Eliminate Predatory lending Practices - HOEPA, Establish nationwide licensing database & education standards. Strengthen regulation of the government sponsored entities. Addressed problems caused by the foreclosure crisis  - Safe Act, Addressed the misrepresentations of advertising mortgage products - MAP Rule, Discloses closing costs, protects from excessive settlement costs and unearned fees, limits escrow account - RESPA, Strengthen law and ability of US government to take action to address money laundering. - USA Patriot Act, detects a security breach: “a pattern of practice that indicates possible identity theft” - Red Flag Rule, Fraud and extended Fraud alerts - FACTA, Protects of personal information of consumers by advising the institutions policies, allowing customer to limit the use and create a security program - GLB, Once a phone number is listed, it remains on the Registry until it is removed or service is discontinued. The consumer on the list can not be called. - DNC, Address the validity of documents, records, and signatures in an electronic form. - E-sign Act,

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