United States
Hong KongUsing the regulations directly
Regulation X, Z and B are free on eCFR and settle disputes between prep providers. Use them to check a specific rule rather than to read through, because reading regulation cover to cover is a poor use of study time.
Almost everything this exam tests is in a regulation you can read for nothing. That is unusual and worth using.
Where they are
| Regulation | Covers | Citation |
|---|---|---|
| Regulation X | RESPA | 12 CFR 1024 |
| Regulation Z | TILA, TRID, rescission, ability to repay | 12 CFR 1026 |
| Regulation B | ECOA | 12 CFR 1002 |
| SAFE Act rules | Licensing, education, testing | 12 CFR 1008 |
All on eCFR, all searchable, all current. The Consumer Financial Protection Bureau also publishes plain-language guides alongside them.
When to go to the source
When two pieces of prep material disagree. When a figure looks out of date. When a practice question's explanation does not convince you.
Five minutes with the provision settles it permanently, and you will remember the answer better for having looked.
Regulation Z is enormous and most of it is not examined. Reading it cover to cover is a way to spend forty hours and learn less than ten hours of practice questions would teach you.
How to search efficiently
Go to the section number rather than searching text. If you know a rule is at 12 CFR 1026.19(e), navigate there. Full-text searching a regulation returns a great deal of noise.
Any practice question worth using carries the citation, which is one of the reasons to prefer questions that do.
What the source cannot tell you
What is likely to be asked. The regulation has no weighting and no sense of what matters for an exam, which is what the content outline and practice questions are for.
Common questions
Are the mortgage regulations free to read?
Yes. Regulations X, Z and B are on eCFR at no cost, along with the SAFE Act rules at 12 CFR 1008.
Should I read Regulation Z cover to cover?
No. It is enormous and mostly not examined. Use it to check specific rules.
When is going to the source worth it?
When prep material disagrees, when a figure looks out of date, or when an explanation does not convince you.
How should I search a regulation?
Navigate to the section number rather than full-text searching, which returns a lot of noise.
What can the regulation not tell me?
What is likely to be asked. That comes from the content outline and from practice.