### Question
How does REAL ESTATE SETTLEMENT PROCEDURES define servicer?


### Answer
Under *12 U.S.C. § 2605*, **servicer** is defined as:

> the person responsible for servicing of a loan (including the person who makes or holds a loan if such person also services the loan)

#### Citation:
  - *12 U.S.C. § 2605*
  - Heading: **CHAPTER 27-REAL ESTATE SETTLEMENT PROCEDURES**

