Request for Information Regarding the Mortgage Closing Process

 
Docket ID: CFPB-2013-0036
Agency: Consumer Financial Protection Bureau (CFPB)
Summary:
This notice requests information from the public about mortgage closing. Specifically, the Consumer Financial Protection Bureau (CFPB) seeks information on key consumer ‘‘pain points’’ associated with mortgage closing and how those pain points might be addressed by market innovations and technology. The CFPB seeks to encourage the development of a more streamlined, efficient, and educational closing process as the mortgage industry increases its usage of technology, electronic signatures, and paperless processes. The next phase of CFPB’s Know Before You Owe initiative aims to identify ways to improve the mortgage closing process for consumers. This project will encourage interventions that increase consumer knowledge, understanding, and confidence at closing. This notice seeks information from market participants, consumers, and other stakeholders who work closely with consumers. The information will inform the CFPB’s understanding of what consumers find most problematic about the current closing process and inform the CFPB’s vision for an improved closing experience.

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      undefined
      • See attached comment letter.

      • Public Submission
      • Posted:

        02/24/2014

      • ID:
        CFPB-2013-0036-0457
      • Organization:
        NAFCU
      • Submitter Name:
        Michael Coleman
      undefined
      • See attached comment letter.

      • Public Submission
      • Posted:

        02/20/2014

      • ID:
        CFPB-2013-0036-0456
      • Organization:
        American Bar Association
      • Submitter Name:
        David Tedder
      undefined
      • See attached comment letter.

      • Public Submission
      • Posted:

        02/20/2014

      • ID:
        CFPB-2013-0036-0455
      • Organization:
      • Submitter Name:
        Salud Dacumos
      undefined
      • This is a correction and other file that was sent previously should be discarded.

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0454
      • Organization:
        National Consumer Law Center
      • Submitter Name:
        Andrew Pizor
      • On June 8, 2012, in pursuing a refinancing, we obtained an interest rate lock of 3.990% with total points of 0.000%, signed by REDACTED, REDACTED, Senior Vice President. The...

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0453
      • Organization:
      • Submitter Name:
        John Williams
      • I am a senior citizen who owned a home that was foreclosed on in 2012. It was located in small resort community in California. The home was financed by REDACTED and the loan was...

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0452
      • Organization:
      • Submitter Name:
        Nancy Fisher
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0451
      • Organization:
        Hawaii Notary Association
      • Submitter Name:
        Frederick Bandack
      undefined
      • A reoccurring event that I have witnessed over the past decade and ½ is the tenuous nature of real estate closings. Even though all variables of the transaction may have been...

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0450
      • Organization:
      • Submitter Name:
        Jodi Laliberte
      • When I contacted B of A (not my first choice) to refinance our mortgage, the 30 year rate was 3.75. By the time B of A was ready for us to make an appointment with their notary to...

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0449
      • Organization:
      • Submitter Name:
        Derek Carlon
      • We purchased our home from B of A in October of 2009. As a veteran I understood that my wife & I would not have to pay some of the different fees/etc. in order to close on the deal...

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0448
      • Organization:
      • Submitter Name:
        Derek Carlon
      • Dear CFPB, Part two of the submission by Laura Vestanen. I am a notary signing agent who has been to thousands of closings over many years. Below are some of the complaints...

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0447
      • Organization:
      • Submitter Name:
        Laura Vestanen
      undefined
      • Thank you for listening to those of us in the trenches. My responses are attached. I appreciate the CFPB's efforts and hope that my comments are of some use.

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0446
      • Organization:
      • Submitter Name:
        Jeremy Brown
      • Eliminate the "Signing Services" as vendors. These so-called "services" are not regulated by any agency - anyone can set themselves up as a "signing service" and solicit business...

      • Public Submission
      • Posted:

        02/12/2014

      • ID:
        CFPB-2013-0036-0445
      • Organization:
      • Submitter Name:
        Janice Canty
      undefined
      • attached

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0444
      • Organization:
      • Submitter Name:
        Meghan Handy
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0443
      • Organization:
        National Fair Housing Alliance
      • Submitter Name:
        Shanna Smith
      undefined
      • Thank you so much for soliciting comment on this issue. I have attached a letter with my comments.

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0442
      • Organization:
        Iron Harbor Mortgage, LLC
      • Submitter Name:
        Matthew Breston
      • I've reviewed many of the comments, but can't review the actual docket today. I am in agreement that closing docs should be given ahead of time, at least a couple of days, so that...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0441
      • Organization:
      • Submitter Name:
        Terra from Boston
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0440
      • Organization:
      • Submitter Name:
        Beulah Stidham
      • I am an escrow officer in Southern California, with over 36 years' experience in handling settlements. I belong to our local and state Escrow Associations, and participate in...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0439
      • Organization:
        Guardian Escrow Inc.
      • Submitter Name:
        Kris Anderson
      undefined
      • Please accept these revised comments from the Consumer Bankers Association in response to Docket No. CFPB-2013-0036. This comment letter is intended to replace the one I sent you...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0438
      • Organization:
        Consumer Bankers Association
      • Submitter Name:
        Jeff Bloch
      undefined
      • Please see my attached letter for my comments.

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0437
      • Organization:
      • Submitter Name:
        Joseph Kirkland
      undefined
      • See attached comment letter.

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0436
      • Organization:
      • Submitter Name:
        Donna M.
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0435
      • Organization:
        Massachusetts Bankers Association
      • Submitter Name:
        Ben Craigie
      undefined
      • Please see the attached comments from the Consumer Bankers Association in response to the CFPB's request for information on the mortgage loan closing process, Docket No. CFPB-2013...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0434
      • Organization:
        Consumer Bankers Association
      • Submitter Name:
        Jeff Bloch
      undefined
      • Please see attached file.

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0433
      • Organization:
        Stewart
      • Submitter Name:
        Jason Nadeau
      • I am a licensed title producer in the State of Maryland and have been for over 10 years, and processor for about 15 years constantly when conducting settlements the same areas of...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0432
      • Organization:
      • Submitter Name:
        Brandie Fox
      • BACKGROUND: Over 30 years licensed real estate professional and escrow settlement experience (CA and NY) Let's talk about the typical sit down closing below: 1. What are common...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0431
      • Organization:
      • Submitter Name:
        C. Richard Triola
      • I am a loan processor of 13 years in California. I have seen a number of changes in our industry over the past few years, made with good intentions in mind, but frankly most have...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0430
      • Organization:
      • Submitter Name:
        Jacqueline Dumbrille
      undefined
      • On behalf of the 10,000+ members of the Real Property, Probate & Trust Law Section of The Florida Bar, we attach a letter of February 7, 2014 with our comments and suggestions on...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0429
      • Organization:
        Real Property, Probate and Trust Law Section of The Florida Bar
      • Submitter Name:
        Margaret Rolando
      undefined
      • Attached as a PDF are the Comments of the Illinois Real Estate Lawyers Association prepared by IRELA President Ralph J. Schumann.

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0428
      • Organization:
        Illinois Real Estate Lawyers Association
      • Submitter Name:
        Ralph Schumann
      • 1) Consumers are being rushed to sign loan documents at the last minute since the Lender typically does not provide loan documents until the last minute. Consumers are typically...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0427
      • Organization:
      • Submitter Name:
        Analisa Casas
      undefined
      • Please see the attached Comment Letter.

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0426
      • Organization:
        Atlanta Legal Aid Society, Inc.
      • Submitter Name:
        John Bartholomew
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0425
      • Organization:
        Transnation
      • Submitter Name:
        Angela Fossi
      • I am the manager of a closing department for a correspondent lender and also a notary public in California, which is an escrow state. I am able to observe transactions from both...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0424
      • Organization:
      • Submitter Name:
        Kirsten Bassett
      • I queried my staff on the questions presented and they came up with the following feedback... 10. Typically the Mortgage Broker for both questions. 11. They usually remember...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0423
      • Organization:
      • Submitter Name:
        Nicole Plath
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0422
      • Organization:
        Community Associations Institute
      • Submitter Name:
        Thomas Skiba
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0421
      • Organization:
        Edwards Abstact and Title Co.
      • Submitter Name:
        Marilyn De Luna
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0420
      • Organization:
        Attorneys' Title Guaranty Fund Inc.
      • Submitter Name:
        Peter Birnbaum
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0419
      • Organization:
        CUNA
      • Submitter Name:
        Jared Ihrig
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0418
      • Organization:
        Ohio Credit Union League
      • Submitter Name:
        John Kozlowski
      undefined
      • the attached is submitted by Liberty Title Agency of Ann Arbor, Michigan

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0417
      • Organization:
        Liberty Title
      • Submitter Name:
        Thomas Richardson
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0416
      • Organization:
        Missouri Credit Union Association
      • Submitter Name:
        Don Cohenour
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0415
      • Organization:
        The Electronic Signature and Records Association
      • Submitter Name:
        Joseph Comizio
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0414
      • Organization:
      • Submitter Name:
        Elizabeth Harrison
      undefined
      • NCRC's response to the CFPB's RFI regarding the real estate closing process.

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0413
      • Organization:
        National Community Reinvestment Coalition
      • Submitter Name:
        John Taylor
      • As a seasoned Notary Signing Agent and consumer, I must agree with most of what my colleagues have already posted. Consequently, I would like to focus my comments on how the...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0412
      • Organization:
      • Submitter Name:
        A. R. Cahee
      undefined
      • Attached is a joint comment letter being filed by the Consumer Mortgage Coalition and the American Financial Services Association. Thank you. Anne Canfield Executive Director...

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0411
      • Organization:
        Consumer Mortgage Coalition
      • Submitter Name:
        Anne Canfield
      undefined
      • Please see attached.

      • Public Submission
      • Posted:

        02/11/2014

      • ID:
        CFPB-2013-0036-0410
      • Organization:
        DataQuick Title, LLC
      • Submitter Name:
        Lisa McFadden
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0409
      • Organization:
        National Foundation for Credit Counseling
      • Submitter Name:
        Matthew Ribe
      undefined
      • Comments submitted by Neighborhood Housing Services of Chicago, Inc.

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0408
      • Organization:
        Neighborhood Housing Services of Chicago, Inc.
      • Submitter Name:
        Ed Jacob
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0407
      • Organization:
        North Carolina Justice Center
      • Submitter Name:
        Alfred Ripley
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0406
      • Organization:
        National Foundation for Credit Counseling
      • Submitter Name:
        Matthew Ribe
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0405
      • Organization:
        CATIC
      • Submitter Name:
        Richard Hogan
      • For over 30 years I have been Licensed Colorado Real Estate Broker, and Commissioned Notary public, and have attended/and presented thousands of closings, including some as a...

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0404
      • Organization:
      • Submitter Name:
        Leslie Lamont
      undefined
      • See attached file(s) for comment on Docket No. CFPB-2013-0036.

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0403
      • Organization:
        First Harrison Bank
      • Submitter Name:
        Jason Pendleton
      • I have been in the title industry for over thirty years, am currently the president of a large title agency in Missouri and an officer in the Missouri Land Title Association. I...

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0402
      • Organization:
      • Submitter Name:
        Nancy LoRusso
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0401
      • Organization:
        Black Knight Financial Services
      • Submitter Name:
        Tim Davis
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0400
      • Organization:
        Trident Land Transfer Company LP
      • Submitter Name:
        Andrea Castro, Esq.
      undefined
      • See attached file(s) Corrects omission of date on the comment 1jy-8ab4-indj which is resubmitted.

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0399
      • Organization:
        Mortgage Bankers Association, Housing Policy Council, American Bankers Association
      • Submitter Name:
        Ken Markison
      • We are a Michigan based Title Agency which closes thousands of sale and refinance transactions a year. We would like to provide some insight to the following questions as we...

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0398
      • Organization:
        Devon Title Agency
      • Submitter Name:
        Elise Lievois
      • For over 30 years I have been Licensed Colorado Real Estate Broker, and Commissioned Notary Public, and have attended/and presented thousands of closings, including some as a...

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0397
      • Organization:
      • Submitter Name:
        Leslie Lamont
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0396
      • Organization:
        Housing Partnership Network
      • Submitter Name:
        Paul Weech
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0395
      • Organization:
        GCUL
      • Submitter Name:
        Selina Gambrell
      undefined
      • Please see the attached comments from the American Land Title Association. If you have any questions please do not hesitate to contact us.

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0394
      • Organization:
        American Land Title Association
      • Submitter Name:
        Steven Gottheim
      undefined
      • Please see the attached comment. Thank you.

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0393
      • Organization:
      • Submitter Name:
        Marc Aronson
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0392
      • Organization:
        Credit Union of Southern California
      • Submitter Name:
        Mark Hiatt
      undefined
      • This letter is being submitted on behalf of Wells Fargo & Company and its affiliates (Wells Fargo) in response to the January 3, 2014 information request of the Consumer Financial...

      • Public Submission
      • Posted:

        02/10/2014

      • ID:
        CFPB-2013-0036-0391
      • Organization:
        Wells Fargo
      • Submitter Name:
        Michael Heid
      • Having worked with realtors and lenders for more than 39 years, I find the request for this compliance by the title industry to be more than necessary. If we are making the...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0390
      • Organization:
      • Submitter Name:
        Brenda McCloud
      • Hello, My wife and homeowners, and during the last ten years we have completed two purchases, and four re-financings. We have been subject to a number of irregular practices...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0389
      • Organization:
      • Submitter Name:
        Michael Tucker
      • CFPB QUESTION ANSWERS from Alma Rushing, January 31, 2014 1) Consumers are unclear after they sign the loan documents what comes next. (West Coast only issue) The voluminous...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0388
      • Organization:
      • Submitter Name:
        William Burding, Jr.
      • I am an escrow officer in Southern California, with over 35 years' experience in handling settlements. I'm involved in our local and state Escrow Associations, serving on the...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0387
      • Organization:
      • Submitter Name:
        Deborah Peters
      • This doesn't really fall into any of the 17 questions. (Maybe No. 14, because it would make it a better experience for all.) Regarding the use of third party vendors/title...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0386
      • Organization:
      • Submitter Name:
        Steven Breems
      • Consumers and Closing 1. What are common problems or issues consumers face at closing? What parts of the closing process do consumers find confusing or overwhelming? Waiting...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0385
      • Organization:
      • Submitter Name:
        Debora Smith
      • 1. The most common problem at the closing table is sending funding docs and waiting for authorization to disburse. 2. The borrowers just want communication throughout the closing...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0384
      • Organization:
      • Submitter Name:
        Stephanie Hawley
      • Here are my thoughts about the experience at the closing table from my years (15) as a realtor and closing coordinator (almost 2 years). 1) I think the HUD is very good at...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0383
      • Organization:
      • Submitter Name:
        Kris Richter
      • Having over fifty years of experience with the sale and purchase of residential real estate, I have found that the Respa / Hud forms have only served to confuse the purchasers of...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0382
      • Organization:
      • Submitter Name:
        Harry J. Smith
      • 1. What are common problems consumers face at closing? What parts of the closing process do consumers find confusing or overwhelming? Last minute conditions and changes will cause...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0381
      • Organization:
        Van Horn Title Agency, Inc.
      • Submitter Name:
        Lynne Evans
      • The closing process usually takes 1.5-2 hours on a purchase, an hour on a refinance. The title officer explains all of the documents, loan documents included, even if the loan...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0380
      • Organization:
      • Submitter Name:
        Debi Grim
      undefined
      • Comments are attached in PDF.

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0379
      • Organization:
      • Submitter Name:
        Elizabeth Beck
      undefined
      • Please see the attached comment submitted on behalf of the American Bankers Association, Housing Policy Council of the Financial Services Roundtable, and Mortgage Bankers...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0378
      • Organization:
        American Bankers Association, Housing Policy Council of the Financial Services Roundtable, Mortgage Bankers Association
      • Submitter Name:
        Justin Wiseman
      • 1. The government forms are the most confusing for customers. There is way too much information for them to read and absorb in a closing. 2. The most helpful items in a closing...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0377
      • Organization:
      • Submitter Name:
        Anonymous Anonymous
      • General feedback that we have received from borrowers who close mortgage loans is that very few read the documents. The vast number of federal and state disclosures included in...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0376
      • Organization:
      • Submitter Name:
        Philip Kneibert
      • I believe it is to early since the new rules took effect to give specifics on any changes to the closing process. The end of February might be a better time to ask for comments.

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0375
      • Organization:
      • Submitter Name:
        Mike Spragins
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0374
      • Organization:
        Somerset Trust Company
      • Submitter Name:
        Allison Hoffman
      undefined
      • This comment is being presented by several Escrow Officers of an independent title company who have over 20 years experience closing in a company that has been established in the...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0373
      • Organization:
      • Submitter Name:
        Carol Edgar
      undefined
      • See attached comment letter.

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0372
      • Organization:
      • Submitter Name:
        Donald Hellman
      • I am a notary public and have worked for the past 12 years providing document signing services to borrowers on behalf of a variety of lenders and title companies. I appreciate...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0371
      • Organization:
      • Submitter Name:
        J Rochelle Karter
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0370
      • Organization:
        Texas Land Title Association
      • Submitter Name:
        Joe Grealish
      • This comment is being presented by several Escrow Officers of an independent title company who have over 20 years experience closing in a company that has been established in the...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0369
      • Organization:
      • Submitter Name:
        Carol Edgar
      undefined
      • Please see enclosed letter. Thank you for providing this opportunity for public comment.

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0368
      • Organization:
      • Submitter Name:
        Donald Solomon
      undefined
      • I have been a Certified Escrow Officer in California for 26 years and have worked in independent escrow companies as well as title company escrow departments and also managed a...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0367
      • Organization:
      • Submitter Name:
        Belinda Bales
      • I am commenting from the perspective of a "seasoned" closing attorney: PLAIN LANGUAGE is the most effective way for consumers to understand the residential mortgage loan process...

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0366
      • Organization:
      • Submitter Name:
        John Parese
      undefined
      • Please see attached letter for CFPB regarding mortgage closing process

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0365
      • Organization:
      • Submitter Name:
        Kirsten LaRue
      undefined
      • See attached comment letter.

      • Public Submission
      • Posted:

        02/07/2014

      • ID:
        CFPB-2013-0036-0364
      • Organization:
      • Submitter Name:
        Genia Engelstad
      • the biggest problem borrowers face at closing is being overwhelmed by all the figures, documents and unfamiliar terms. I think a simpler consolidated overview of the loan and fees...

      • Public Submission
      • Posted:

        02/06/2014

      • ID:
        CFPB-2013-0036-0363
      • Organization:
      • Submitter Name:
        Michael Young
      • The new 1 minute time out rule on our computer sytem is hindering our work. I find myself logging back in 30 times an hour. This needs to be adjusted to a 5 minute time out. The...

      • Public Submission
      • Posted:

        02/06/2014

      • ID:
        CFPB-2013-0036-0362
      • Organization:
      • Submitter Name:
        Bruce Glaser
      • The Closing Instructions should be Loan "specific" and not contain a lot of general information for the settlement agent to filter through and to try and figure out want the lender...

      • Public Submission
      • Posted:

        02/06/2014

      • ID:
        CFPB-2013-0036-0361
      • Organization:
      • Submitter Name:
        Tina Watson
      • 1. The most common problems that consumers face at closing are having a good grasp of what is actually happening at a closing. A mobile closer may not understand the documents as...

      • Public Submission
      • Posted:

        02/06/2014

      • ID:
        CFPB-2013-0036-0360
      • Organization:
      • Submitter Name:
        Ruthann Stenger
      undefined
      • See attached file(s)

      • Public Submission
      • Posted:

        02/06/2014

      • ID:
        CFPB-2013-0036-0359
      • Organization:
        Independent Community Bankers of America
      • Submitter Name:
        Ron Haynie
      • (I've numbered each bullet response in order the questions are posed). I am an escrow officer/manager in Salt Lake County, UT. I've been closing for over 10 years. 1. Common...

      • Public Submission
      • Posted:

        02/06/2014

      • ID:
        CFPB-2013-0036-0358
      • Organization:
      • Submitter Name:
        Jason VandenBerg
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