Plaintiffs argued that fees charged to expedite payment were in violation of a Fair Debt Collection Practices Act provision that prohibits the collection of any amount unless it was expressly authorized when the debt was created.

A California law requiring interest to be paid on escrow account balances doesn’t “significantly interfere” with the powers of national banks, state regulators argue.

CFPB continues to update APOR; Illinois could create state-level CFPB.

The sign of a good business model is one that makes profits in good times and bad. Fannie and Freddie have shown strong profits throughout the post-pandemic downturn. (Includes data table.)

Rejiggering the Rube Goldberg machine of housing finance will require careful thought and timing. Unless Trump does it with an executive order.

Fair Isaac Corp. CEO William Lansing asserted that FICO is the best tool for assessing credit risk, and he doesn’t see that changing whether the government is more or less involved in the GSEs.

FHFA removed reference to DEI on the GSE scorecard. Are SPCPs next on the chopping block?

A coalition of the leading affordable housing organizations in America gave Fannie Mae a C minus for its duty-to-serve plan. Freddie Mac got a B minus.

Fannie seller/servicers must now have information security programs that meet NIST or ISO standards.

After suddenly stepping down as CEO of the Federal Home Loan Bank of San Francisco, the former Ginnie president showed up in Washington to tout the benefits of the home loan bank system.