A Practice Note discussing the federal consumer financial laws and regulations governing financial institutions that offer, originate, or service residential mortgages. This Note provides an overview of the federal agencies that oversee consumer financial protection, including the Consumer Financial Protection Bureau (CFPB), Office of the Comptroller of the Currency (OCC), Federal Reserve Board (FRB), Federal Deposit Insurance Corporation (FDIC), National Credit Union Administration (NCUA), Federal Trade Commission (FTC), and US Department of Housing and Urban Development (HUD).