Which mortgage lending regulation is NOT governed by the Federal Reserve Act?

The Real Estate Settlement Procedures Act (RESPA) is indeed a regulation that is not governed by the Federal Reserve Act. RESPA was enacted to ensure that consumers are informed about the costs associated with the closing of a real estate transaction, primarily focusing on disclosure of settlement services and prohibiting certain practices, such as kickbacks.

In contrast, the other laws listed are influenced by or encapsulated within the framework of the Federal Reserve's regulations. For instance, the Equal Credit Opportunity Act, Fair Credit Reporting Act, and Home Mortgage Disclosure Act all work in conjunction with regulations set forth by the Federal Reserve aimed at promoting fair lending practices and ensuring the accurate reporting of consumer credit. Therefore, it's imperative to recognize the distinction between RESPA and legislation that is more closely tied to the Federal Reserve's oversight.