In This Issue:

- Recent Cases

..RESPA

..FDCPA

..TCPA

..FCCPA & FDCPA

..TILA

- In The News

..CFPB to Begin Collecting Complaints Regarding Prepaid Cards

..CFPB Proposes Letting Consumers Make Complaints Public

..CFPB Issues Final Interpretive Rule on Definition of “Assumption” Under Reg Z

..CFPB Issues Policy Guidance Regarding “Mini-Correspondent Lenders”

..Agencies Issue Guidance on HELOCs Nearing End-of-Draw Periods

..FFIEC Launches Cybersecurity Website

..OCC Issues Semiannual Risk Report

..FHFA to Consider Litigation Over Forced-Placed Insurance

..CFPB Issues Final Rule Regarding Procedures for TROs

..Agencies Held Webinar on Community Reinvestment

..CFPB Issues Manual for Assisted Living Facilities

..CFPB to Host Roundtable Discussion on Debt Collection

..OCC Increases Assessments on Large Banks

..House Appropriations Committee Releases 2015 Financial Services Bill

..CFPB Delays Prepaid Card Rulemaking

..Agencies to Review Outdated Regulations

..Agencies Clarify Flood Insurance Coverage Requirements for Multi-Family Residences

- Excerpt from RESPA:

Roth v. CitiMortgage Inc., 13-3839-CV, 2014 WL 2853549 (2d Cir. June 24, 2014). In Roth v. CitiMortgage Inc., the Second Circuit held that although the mortgagor’s attorney had sent three letters to defendant CitiMortgage requesting various mortgage related information sent by her lawyer, the mortgagor’s RESPA claim was properly dismissed on the basis that her lawyer’s letters were not sent to CitiMortgage’s designated QWR address. Accordingly, the requests were not QWRs under RESPA and did not trigger CitiMortgage’s QWR duties under RESPA.