15 U.S.C. § 1639g
Requests for payoff amounts of home loan
A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower.
Notes of Decisions
Cited in 17
cases (9 in the last 5 years), 2016–2026 · leading case: Larkins v. Fifth Third Mortg. Co., 376 F. Supp. 3d 784 (S.D. Ohio 2019).
Larkins v. Fifth Third Mortg. Co., 376 F. Supp. 3d 784 (S.D. Ohio 2019). “Larkins (collectively "Plaintiffs" or "the Larkins") allege that Defendant Fifth Third Mortgage Company ("Defendant" or "Fifth Third") violated the Truth In Lending Act ("TILA"), 1 specifically 15 U.S.C. § 1639g and its corresponding regulation at 12 C.”
Kemp v. Seterus, Inc., 348 F. Supp. 3d 443 (D. Maryland 2018). “First, she alleges a violation of 15 U.S.C. § 1639g based on the purported payoff statement Seterus provided in September 2017, which she claims was inaccurate because it included the unlawful property inspection charges.”
Jamison v. Bank of Am., N.A., 194 F. Supp. 3d 1022 (E.D. Cal. 2016). “Cf. Spokeo, 136 S.Ct. at 1550 (“.., [N]ot all inaccuracies cause harm or present a material risk of harm.”
Steve Evanto v. Fed. Nat'l Mortg. Ass'n, 814 F.3d 1295 (11th Cir. 2016). “” 15 U.S.C. § 1639g. “[A]ny creditor who fails to comply” is liable for certain remedies.”
Formica v. Parke Bancorp, Inc. (D.N.J. 2023). “Plaintiffs allege that Defendant failed to provide them with an accurate payoff statement for the closing of their home and thus violated the TILA pursuant to 15 U.S.C.A. § 1639g. Essentially, the inclusion of the extra $10,000.”
Leonard P. Machulas v. Shell Point Mortg. Co. (11th Cir. 2026). “PER CURIAM: Leonard Machulas appeals pro se from the district court’s dismissal with prejudice of his complaint alleging that Shell Point Mortgage Company, LLC violated 15 U.S.C. §§ 1639g and 1639f by USCA11 Case: 25-13286 Document: 38-1 Date Filed: 06/09/2026 Page: 2 of 5 2…”
Dunn v. Phh Mortg. Corp. (D.N.J. 2021). “36 (c)(3) and 15 U.S.C. § 1639g. A. Factual Background On May 18, 2009, Plaintiffs Donald and Nicole Dunn (“the Dunns”), Maryland residents, obtained a mortgage for $135,042.”
Bailey v. PHH Mortg. Corp. (D. Maryland 2021). “In the pending motion, Defendants seek to dismiss only Counts IV–IX for failure to state a claim.3 ECF No.”
Freeman v. Ocwen Loan Servicing, Inc. (S.D. Ind. 2020). “41 ; and (iv) Ocwen's breach of its duty to provide a timely payoff statement pursuant to 15 U.S.C. § 1639g and Reg. Z, 12 C.F.R. § 1026.”
Best v. Newrez, LLC (D. Maryland 2020). “Plaintiff next alleges that Defendants violated 15 U.S.C. § 1639g by failing to timely provide an accurate payoff statement.”
Jeffers v. JPMorgan Chase & Co. (S.D. Tex. 2019). “See 15 U.S.C. § 1639g (“A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or behalf of the borrower.”
Michael Bosworth v. Nationstar Mortg., LLC d/b/a Mr. Cooper (Mass. Super. Ct. 2025). “"); (3) the Truth in Lend g Act ("TILA"), 15 U.S.C. § 1639g ("A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time"); and (4) 12 Code Fed.”
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