Petition Closed

Stop Mortgage Fraud and Kickbacks

The mortgage fraud law called RESPA (Real Estate Settlement and Procedures Act) has only a 1 year statute of limitations.  That means that someone intent on violating this law has very little risk of being held accountable.  Lawyers representing consumers in mortgage foreclosure or mortgage fraud situations are reporting that by the time consumers realize that they need help, that far longer than 1 year has elapsed and that there is often no recourse.  In addition, this law also regulates and prohibits kickbacks between service providers and this section of the law also has only a 1 year statute of limitations. 

The Consumer Finance and Protection Bureau (CFPB) enforces RESPA and their hands are tied on most consumer fraud cases involving RESPA because of this limitation.   If we are going to have this mortgage disclosure and anti-kickback law, then it needs to exist so as to make enforcement practical.  As it stands now, the law provides bad actors related to mortgage finance an opportunity to break the law with impunity or at least very little deterence. 

If you want to help stop mortgage fraud, improve mortgage disclosure enforcement actions and stop illegal kickbacks in the residential real estate process, then please sign our petition to increase the statute of limitations to 6 years. 

Consumer Advocates in American Real Estate ( is a non-profit volunteer public charity dedicated to empowering real estate consumers and exposing conflicts of interests and bad practices.  Please visit our webpage for free tools and advice and friend us on our Facebook Page:

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  • United States Congress

    Consumer Advocates in American Real Estate started this petition with a single signature, and now has 193 supporters. Start a petition today to change something you care about.