Effective January 1, 2010, there are material changes to the Real Estate Settlement Procedures Act (“RESPA”). The United States Department of Housing and Urban Development (“HUD”) has amended Regulation X, relating primarily to the Good Faith Estimate (“GFE”) and the Uniform Settlement Statement (“HUD-1”). With some minor exceptions, these changes to Regulation X require mandatory compliance on January 1, 2010. Examiners will begin examining for compliance with the amended provisions of Regulation X immediately.