Which law prevents a loan servicer from reporting a negative rating to the credit bureau within 60 days of receiving a transferred loan?

The correct choice is the Real Estate Settlement Procedures Act (RESPA). This law is designed to protect consumers during the real estate settlement process and includes provisions that aim to ensure transparency in the loan process. Specifically, RESPA prohibits loan servicers from reporting negative information to credit bureaus within 60 days after they receive a transferred loan.

This provision is important because it gives borrowers an opportunity to address any potential issues or discrepancies in their loan information before negative impacts on their credit are reported. It aims to prevent any unfair damage to a borrower's credit score during a transition period, when they may not be fully aware of the servicing changes occurring with their loan.

The other laws listed do not encompass this specific regulation regarding the reporting of credit information by loan servicers. The Truth-In-Lending Act primarily deals with disclosure of credit terms, the Equal Credit Opportunity Act addresses discrimination in lending, and the Home Mortgage Disclosure Act focuses on the reporting of mortgage lending data but does not cover regulations related to credit reporting timelines.