Understand the Massive Mortgage Regulatory Transition

At 849 pages, the Dodd-Frank Act requires federal regulators to create 243 rules, conduct 67 studies, and issue 22 periodic reports, according to the law firm of Davis Polk. About 100 of the rules will impact the mortgage industry.

The act affects every aspect of the mortgage process from origination to servicing and securitization. The DFA will prohibit or restrict many previously common mortgage lending practices.

Understand these sweeping regulatory reforms with Inside Mortgage Finance’s Guide to the Dodd-Frank Act. This 134-page special report explains all aspects of the DFA that impact the mortgage industry, and includes expert insights from recent webinars on the legislation hosted by Inside Mortgage Finance.

View the complete table of contents.

Order your copy today and learn about…

Mortgage Originations

• Qualified Mortgages
• Ability-to-Repay
• Loan Originator Compensation
• Anti-Steering
• Consumer Financial Protection Bureau
• Higher-Risk Mortgages
• Appraisal Provisions
• Fair Lending Enforcement
• Federal Preemption of State Laws
• New Required Disclosures

Secondary Market

• Qualified Residential Mortgages
• Risk-Retention Requirements
• Representations and Warranties
• Defense to Foreclosure
• Escrow Requirements
• Lender Oversight
• Risk-Based Capital Requirements
• GSE Reform
• Rating Services
• Investor Protections

Inside this comprehensive report you’ll discover…

• The 8 mandatory characteristics of qualified mortgages;
• Details on LO compensation—including the Fed’s new rule;
• How to deal with confusing preemption turfs;
• How the so-called “speed bump” amendment could complicate matters;
• Why borrower protection is the most important new remedial provision in the DFA;
• And much more.

This report also includes a detailed outline of the Dodd-Frank Act and a timeline for key implementation dates.