What is the fine-grained topic of the following text: WASHINGTON – The U.S. Department of Housing and Urban Development (HUD) today announced that for the first four months of 2010, the staff of the Mortgagee Review Board (MRB) will exercise restraint in enforcing new regulatory requirements under the Real Estate Settlement Procedures Act (RESPA), due to take full effect on January 1. Only return the topic.
HUD's enforcement restraint on new regulatory requirements under RESPA in early 2010