The RESPA Manual: A Complete Guide to the Real Estate Settlement Procedures Act

James H. Pannabecker writes from Natural Bridge Station, Virginia and focuses on banking law and regulatory compliance. Mr. Pannabecker formerly was a senior vice president and general counsel of Citicorp Mortgage, Inc., where he managed the provision of legal services for the nationwide origination of mortgage loans through Citicorp's affiliated first mortgage lenders. Before joining Citicorp, Mr. Pannabecker served as in-house counsel to Maryland National Bank; First Virginia Banks, Inc.; and First American Mortgage Group. He also is a former Professor of Practice at the Washington & Lee University School of Law.

Mr. Pannabecker is the author or coauthor of numerous publications in the areas of truth in lending, real estate settlement procedures, equal credit opportunity, community reinvestment, home mortgage disclosure, and banking law. His publications include Truth-in-Lending Manual: Text and Forms; The RESPA Manual: A Complete Guide to the Real Estate Settlement Procedures Act; Mortgage Lending Compliance with Federal and State Guidance; Mortgage Lenders Model Compliance Manual: Policies, Forms, and Checklists; Banking Law Digest; The Law of Electronic Fund Transfer Systems; and Pratt's Consumer Credit and Truth-in-Lending Compliance Report.

David McF. Stemler is an author/editor of Pratt's Letter, the Federal Banking Law Service, Pratt’s Bank Law & Regulatory Report, the Federal Advertising and Marketing Law Guide, the RESPA Manual, and the Financial Privacy Alert, all published by A.S. Pratt & Sons. Mr. Stemler is a graduate of Pennsylvania State University and the University of Pittsburgh School of Law. He is a member of the bar in Pennsylvania and the District of Columbia.