The Real Estate Settlement Procedures Act - known as Respa - has certainly caused fear and loathing among a generation of community bankers.

Paperwork generated to comply with the 25-year-old law - which mandates that mortgage lenders make a series of disclosures to consumers - mushroomed in 1992 when the legislation was expanded. While Congress continues to contemplate making the law more palatable to consumers and lenders alike, there will not be any rest from Respa, at least for the immediate future.

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