Which entity primarily ensures that lenders comply with national mortgage laws?

The Consumer Financial Protection Bureau (CFPB) is the correct choice because it was established to oversee and enforce federal consumer financial laws, including those related to mortgage lending. The CFPB's mission includes protecting consumers in the financial marketplace, which encompasses ensuring that lenders provide clear and transparent information and engage in fair lending practices.

The CFPB has the authority to issue regulations, supervise financial institutions, and take enforcement actions against those that violate mortgage laws. These efforts help maintain accountability among lenders and protect consumers from potential abuses in the mortgage industry.

Other entities, like state regulators and the Federal Housing Authority, do play roles in overseeing aspects of the mortgage industry, but they do not hold the primary responsibility for enforcing national mortgage laws. State regulators typically focus on compliance at the state level and may not have jurisdiction over federally regulated matters. The Federal Housing Authority, while important in the financing and insurance of loans, does not function as the main enforcement body for mortgage laws. The Mortgage Board of America does not exist as a recognized entity in this context, so it cannot be responsible for compliance either.