C.F.R. » Title 12 » CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU › PART 1024—REAL ESTATE SETTLEMENT PROCEDURES ACT (REGULATION X) › Subpart C—Mortgage Servicing

12 C.F.R. § 1024.30

Scope

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(a) In general. Except as provided in paragraphs (b) and (c) of this section, this subpart applies to any mortgage loan, as that term is defined in § 1024.31.

(b) Exemptions. Except as otherwise provided in § 1024.41(j), §§ 1024.38 through 1024.41 of this subpart shall not apply to the following:

(1) A servicer that qualifies as a small servicer pursuant to 12 CFR 1026.41(e)(4);

(2) A servicer with respect to any reverse mortgage transaction as that term is defined in § 1024.31; and

(3) A servicer with respect to any mortgage loan for which the servicer is a qualified lender as that term is defined in 12 CFR 617.7000.

(c) Scope of certain sections. (1) Section 1024.33(a) only applies to reverse mortgage transactions.

(2) The procedures set forth in §§ 1024.39 through 1024.41 of this subpart only apply to a mortgage loan that is secured by a property that is a borrower's principal residence.

(d) Successors in interest. A confirmed successor in interest shall be considered a borrower for purposes of § 1024.17 and this subpart.

[78 FR 10876, Feb. 14, 2013, as amended at 78 FR 60437, Oct. 1, 2013; 78 FR 80104, Dec. 31, 2013; 81 FR 72370, Oct. 19, 2016]
Notes of Decisions
Cited in 29 cases (17 in the last 5 years), 2017–2026 · leading case: Tara Keen v. Robert Helson, 930 F.3d 799 (6th Cir. 2019).
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Tara Keen v. Robert Helson, 930 F.3d 799 (6th Cir. 2019). · cites it 2× “" 12 C.F.R. § 1024.30 ; Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z), 81 Fed.”
Coppola v. Wells Fargo Bank, N.A. (In re Coppola), 596 B.R. 140 (Bankr. D.N.J. 2018). · cites it 2× “12 C.F.R. § 1024.30 (a) ("Scope") provides that "this subpart applies to any mortgage loan, as that term is defined in § 1024.”
Bank of New York Mellon v. Brooks, 169 A.3d 667 (Pa. Super. Ct. 2017). “The new regulations, entitled “Mortgage Servicing Rules under the Real Estate Settlement Procedures Act (Regulation X),” are codified at 12 C.F.R. §§ 1024.30 et seq. “Regulation X prohibits, among other things, a loan servi-cer from foreclosing on a property in certain…”
Marrett, No. 25-03006 (Bankr. D. Mass. Feb. 19, 2026). · cites it 3× “The other claims, asserting violations of 12 C.F.R. §§ 1024.30 (c) and 1041, arise out of statements made in judicial proceedings that the Property was not owner-occupied.”
Parsley v. Rushmore Loan Mgmt. Servs. LLC, No. 3:23-cv-00525, 2024 WL 712873 (S.D. W. Va. Feb. 21, 2024). · cites it 2× “” 12 C.F.R. § 1024.30 (d). A “confirmed successor in interest” is a “successor in interest once a servicer has confirmed the successor in interest’s identity and ownership interest in a property that secures a mortgage loan.”
PNC Bank, N.A. v. Seneca Leandro View, LLC, No. 1471 WDA 2024 (Pa. Super. Ct. Jan. 15, 2026). · cites it 2× “36 of Regulation X, Subpart C ( 12 C.F.R. §§ 1024.30 - 1024.41). See 12 C.”
Kenneth Brown v. Fin. of Am. Reverse, LLC, No. A-2751-24 (N.J. Super. Ct. App. Div. Feb. 6, 2026). · cites it 2× “c/o Kenneth Brown" and "[i]n accordance with all the applicable portions of [the Real Estate Settlement Procedures Act, 12 C.F.R §§ 1024.30 to -1024.41] . . . [defendant] should and has a duty to engage in loss mitigation, which [plaintiff] believe[d] as a cooperative borrower,…”
Kamara, No. 1:25-cv-00611 (E.D. Va. Mar. 18, 2026). · cites it 2× “3_ 12 C.F.R. § 1024.30 (d). As a preliminary matter, this regulation only purports to clarify that, for certain provisions of Regulation X, the CFPB intends its use of the term “borrower” to also apply to a confirmed successor in interest.”
Bank of New York Mellon v. Brooks, R., No. 1362 EDA 2016 (Pa. Super. Ct. Aug. 28, 2017). “The new regulations, entitled “Mortgage Servicing Rules under the Real Estate Settlement Procedures Act (Regulation X),” are codified at 12 C.F.R. § 1024.30 et seq. “Regulation X prohibits, among other things, a loan servicer from foreclosing on a property in certain…”
Bank of New York Mellon v. Johnson, No. 71824 (Nev. Apr. 26, 2018). “See 12 CFR §§ 1024.30 (c)(2), 1024.41(g); NRS 107.”
Citizens Bank v. Pincus, M., No. 21 EDA 2017 (Pa. Super. Ct. May 9, 2018). “This Court has held that new regulations, entitled “Mortgage Servicing Rules under the Real Estate Settlement Procedures Act (Regulation -6- J-A31019-17 X),” codified at 12 C.F.R. §§ 1024.30 et seq., prohibit a loan servicer from foreclosing on a property if the borrower has…”
Sami Albra v. Selene Fin., No. 18-17433 (9th Cir. Mar. 13, 2020). “31 (defining “successor in interest” and “confirmed successor in interest”); 12 C.F.R. § 1024.30 (d) (explaining that “[a] confirmed successor in interest shall be considered a borrower for purposes of § 1024.”
Show all 29 citing cases →
12 C.F.R. § 1024.30(c)(2): 1 case
Cocchia v. LendingHome Funding Corp., No. 5:20-cv-00066 (W.D. Tex. Apr. 15, 2020).
12 C.F.R. § 1024.30(d): 3 cases
Watson v. Homebridge Fin. Servs., Inc., No. 8:20-cv-02578, 2022 WL 125278 (D. Md. Jan. 13, 2022).
Weber v. Wells Fargo Bank, N.A., No. 3:20-cv-00048 (N.D. W. Va. Mar. 4, 2021).
Mauk, No. 5:25-cv-00630 (N.D. Ohio Oct. 31, 2025).
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