Statutes of Limitations for TILA and RESPA Claims – For TILA
claims, the statute of limitations for actions for damages runs one
year after the loan origination. 15 U.S.C. § 1640(e). For actions
seeking rescission, the statute of limitations is three years from
loan origination. 15 U.S.C. § 1635(f). For RESPA, actions brought
for lack of notice of change of loan servicer have a statute of
limitation of three years from the date of the occurrence, and actions
brought for payment of kickbacks for real estate settlement services,
or the conditioning of the sale on selection of certain title services
have a statute of limitations of one year from the date of the
occurrence. 12 U.S.C. § 2614.