Mortgage Lending: 4.17.6 Remedies
Servicers, mortgagees, and mortgage insurers can be liable for violations of the HPA. But the Act limits the definition of “mortgagee” to the original mortgage holder at consummation.774 “Servicer” is defined by reference to RESPA’s definition.775 An assignee of the mortgage or note may, therefore, be liable for violations if they also service the loan.