There is a new government website you may want to look into. It was just unveiled in Feb. 2011 and is the home for the Consumer Financial Protection Bureau which was created by the Dodd-Frank Act. Currently operating under the Dept. of the Treasury, this bureau is the “bite” that goes with the “bark” as far as enforcing mortgage related laws, rules and regulations. This would include violations of everything from ECOA to RESPA to Truth in Lending and others.
Its purpose is actually threefold: to educate, enforce and study. One of it’s aims is to make consumer financial products and services work for Americans.
I’d recommend you take at least a few minutes to look the site over and see what it covers. You might also want to remember the name CFPB. I have a feeling we'll be hearing a lot more about it in the near future!