A financial institution that originates residential mortgage loans must comply with federal consumer financial laws. These laws include Title XIV of the Dodd-Frank Act, known as the Mortgage Reform and Anti-Predatory Lending Act, which imposes a repayment ability standard on residential mortgages. Title XIV of the Dodd-Frank Act also amended the Real Estate Settlement Procedures Act and the Truth in Lending Act creating new standards for loan originator compensation and requirements for mortgage origination disclosures. Residential mortgage lending activities are also subject to various anti-discrimination laws, referred to as fair lending laws, including the Equal Credit Opportunity Act (ECOA). This toolkit provides resources to assist financial institutions with understanding and implementing these regulatory requirements.