Which law governs the policies that SPF falls under?

The Gramm-Leach-Bliley Act (GLBA) governs the policies that pertain to the protection of consumer financial information, which is relevant to the Secure and Fair Enforcement for Mortgage Licensing Act (SPF). Under the GLBA, financial institutions, including mortgage lenders, are required to establish privacy policies that protect consumers' personal information and provide them with certain rights concerning their data. This act emphasizes the importance of safeguarding sensitive financial information, as it lays the groundwork for compliance in various aspects of mortgage lending and consumer finance.

While other laws listed, such as the Fair Housing Act, the Equal Credit Opportunity Act, and the Real Estate Settlement Procedures Act, each play critical roles in regulating different aspects of housing discrimination, lending practices, and settlement procedures respectively, they do not specifically address the consumer information protection policies that are central to the SPF. Thus, the GLBA is the appropriate law that governs the policies relevant to the SPF.