Which of the following is NOT a disclosure required by RESPA?

The Loan Estimate Form is actually a required disclosure under the Real Estate Settlement Procedures Act (RESPA). RESPA mandates that borrowers receive a Loan Estimate within three business days after applying for a mortgage loan. This form provides crucial information about the loan terms, monthly payments, and closing costs, enabling borrowers to understand their options and make informed decisions.

In contrast, the other options provided serve different purposes or are specifically required by RESPA. The HUD's Settlement Cost Booklet is intended to help consumers understand the settlement process and the costs involved. The Special Information Booklet is designed for certain types of loans, particularly those that are federally related mortgages, providing information about home buying and associated costs. Lastly, the Mortgage Servicing Disclosure Statement informs borrowers about the servicing of their loans, detailing whether the servicer intends to service the loan or transfer it to another entity.

Thus, the identification of the Loan Estimate Form as not being required by RESPA is inaccurate since it is indeed a key part of the disclosure requirements laid out by the act.