12 C.F.R. § 1024.11
Mailing
The provisions of this part requiring or permitting mailing of documents shall be deemed to be satisfied by placing the document in the mail (whether or not received by the addressee) addressed to the addresses stated in the loan application or in other information submitted to or obtained by the lender at the time of loan application or submitted or obtained by the lender or settlement agent, except that a revised address shall be used where the lender or settlement agent has been expressly informed in writing of a change in address.
Notes of Decisions
Cited in 3
cases (2 in the last 5 years), 2018–2025 · leading case: Kelly Floyd v. U.S. Bank Nat'l Ass'n, 887 F.3d 319 (7th Cir. 2018).
Kelly Floyd v. U.S. Bank Nat'l Ass'n, 887 F.3d 319 (7th Cir. 2018). “We do not decide whether either assumption is correct; the second is questionable given 12 C.F.R. § 1024.11 , which says that mailing a timely and properly addressed response satisfies the Act whether or not the response is received.”
Richards v. NewRez, LLC (D. Maryland 2022). “Another provision of Regulation X, 12 C.F.R. § 1024.11 , is relevant here. It states: The provisions of this part requiring or permitting mailing of documents shall be deemed to be satisfied by placing the document in the mail (whether or not received by the addressee) addressed…”
Squire v. Newrez LLC (D. Maryland 2025). “Should the borrower seek to change that address, the borrower must do so expressly, and in writing, in compliance with 12 C.F.R. § 1024.11 .” Richards v. New Rez, LLC, No.”
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