Private Lawsuits. If you have a complaint the best place to address it is at its source (the lender, settlement agent, broker, etc.). If that approach fails and you think you have suffered because of a violation of RESPA, ECOA or any other law, you may be entitled to sue in a federal or state court. This is a matter that should be discussed with your attorney.

Government Agencies. Most settlement service providers are supervised by a governmental agency at the local, state and/or federal level. Your state's Attorney General may have a consumer affairs division. If you feel that a provider of settlement services has violated RESPA or any other law, you can complain to that agency or association. You may also send a copy of your complaint to the HUD Office of Consumer & Regulatory Affairs.

Servicing Errors. If you have a question any time during the life of your loan, RESPA requires the company collecting your loan payments to respond to you. Write to your servicer and call it a "qualified written request under Section 6 of RESPA." A "qualified written request" should be a separate letter and not mailed with the payment coupon. Describe the problem and include your name and account number. The servicer must investigate your request and make appropriate corrections within 60 business days.