Bureau of Consumer Financial Protection —
12 CFR Chapter X
Part 1024 — Real Estate Settlement Procedures Act (Regulation X)
§ 1024.32 General disclosure requirements.
(a) Disclosure requirements. (1) Form of disclosures. Except as otherwise provided in
this subpart, disclosures required under this subpart must be clear and conspicuous, in writing,
and in a form that a recipient may keep. The disclosures required by this subpart may be
provided in electronic form, subject to compliance with the consumer consent and other
applicable provisions of the E-Sign Act, as set forth in § 1024.3. A servicer may use commonly
accepted or readily understandable abbreviations in complying with the disclosure requirements
of this subpart.
(2) Foreign language disclosures. Disclosures required under this subpart may be made
in a language other than English, provided that the disclosures are made available in English
upon a recipient's request.
(b) Additional information; disclosures required by other laws. Unless expressly
prohibited in this subpart, by other applicable law, such as the Truth in Lending Act (15 U.S.C.
1601 et seq.) or the Truth in Savings Act (12 U.S.C. 4301 et seq.), or by the terms of an
agreement with a Federal or State regulatory agency, a servicer may include additional
information in a disclosure required under this subpart or combine any disclosure required under
this subpart with any disclosure required by such other law.
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