The TILA-RESPA Integrated Disclosure rules require mortgage lenders to disclose prices within three days of an application. But to do so they have to rely on frequently faulty income and debt information.

By targeting price cuts at low-FICO score and high-LTV borrowers, the new pricing grids of Fannie Mae and Freddie Mac could increase market overlap with FHA.

Industry protests convinced FHFA to reverse course and almost eliminate the fee Fannie and Freddie charge to guarantee one another’s securities.

Real estate agents can now also act as loan officers on the same single-family mortgage transaction. But smaller lenders worry that larger competitors will wipe out referral business by hiring dual-purpose employees.

The FHA has clarified when individuals can perform multiple roles in a single FHA-insured transaction. Some believe it’s a market-altering move.

Trade groups say small and mid-sized independent mortgage bankers don’t need more federal supervision because they pose no systemic risk.

The timing of an FHA mortgage insurance premium cut could rest on how soon Congress passes a fiscal 2023 federal budget.

The Mortgage Bankers Association and others in the mortgage lending and affordable housing communities commented on an FHA request for information on the challenges of small-balance mortgage lending.

The Community Home Lenders of America wants federal officials to ban significant disparities in the fees charged to lenders for credit reports, but analysts say it’s unlikely that policy pressure will stop them.

Mortgage brokers argue homeowners shouldn't have to pay fees to fund governmental policy initiatives.