HOLD ONTO YOUR HAT! THE IMPACT OF NEW RESPA / TILA REGULATIONS ON SELLING AND BUYING REAL ESTATE Most people take a mortgage when buying a home. Most sellers of property sell their home to a buyer taking a mortgage. So while the topic may seem dry, it is important to understand October, 2015 changes to RESPA / TILA regulations that will impact all buyers and sellers in a Real Estate transaction involving a mortgage loan. RESPA stands for the Real Estate Settlement Procedures