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Volume 25 - Number 19

September 15, 2014

More Rules Coming From CFPB by Year’s End, Cordray Tells Senators

If lenders think they have a full plate of regulations to digest, just wait. More appetizers and main courses are on the way, courtesy of the CFPB and the Dodd-Frank Wall Street Reform and Consumer Protection Act. For the real estate finance industry, there is more to follow all the mortgage-related rules that took effect in January of this year, or the integrated disclosure rule under the Truth in Lending Act and the Real Estate Settlement Procedures Act, which takes effect in August of 2015. “This summer, we also issued a proposed rule to implement changes Congress made to the Home Mortgage Disclosure Act,” said CFPB Director Richard Cordray, in appearance before the Senate Banking, Housing and Urban Affairs Committee ...

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After the November elections, how long will it take for a new Congress and White House to pass GSE reform legislation?

I’m confident a bill will be passed the first year.


2 to 3 years. GSE reform is complicated.


Sadly it won’t happen in a Clinton or Trump first term.


Not in my lifetime.


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