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Short Takes: Online Research Impacting Real Estate Agent Selection / States Sanction MLO for SAFE Act Violations / Accurate Group Completes First UAD 3.6 / reAlpha Launches National LO Recruitment Program

December 31, 2025
Shannon Clark
A new Zillow report found 36% of home sellers now find their agents through online channels, up from 15% in 2018.
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Credit Washing Efforts Driving Credit Reporting Complaints

December 22, 2025
Shannon Clark
Credit repair organizations are influencing consumers to file complaints with the CFPB in an attempt to remove negative, even if accurate, data from their credit reports, according to the Consumer Data Industry Association.
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Consumer Groups Oppose CFPB’s ECOA Proposal

December 22, 2025
Shannon Clark
Consumer advocates said the proposed changes will make it even more difficult for underserved markets to access credit, particularly people of color that continue to experience redlining and lending discrimination.
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NCRC Rolls Out Fair Lending Tip Line

December 22, 2025
Shannon Clark
Consumers can submit confidential tips to the NCRC related to potential violations of fair lending laws. The information may then be used by the consumer advocate to investigate claims of lending discrimination.
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State Regulatory Body Supports NMLS Call Report Grace Period

December 22, 2025
Shannon Clark
The organization that represents state mortgage regulators supports a request from the MBA for a grace period for initial filing of Mortgage Call Report Version 7.
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CFPB Urged to Eliminate Payday Lending Rule

December 22, 2025
Shannon Clark
Although the bureau isn’t enforcing its payday lending rule, members of the small-dollar lending industry said the rule is still limiting customers’ “payment flexibility.”
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CFPB Targeting Debanking; NCUA Shifts on Fair Lending

December 22, 2025
Shannon Clark
The CFPB will focus on debanking in 2026, while the NCUA shifted how it will evaluate potential discrimination under fair lending laws.
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Industry, Consumer Groups Disagree on Section 1071 Changes

December 22, 2025
Shannon Clark
Trade groups and consumer advocates go different ways in their feedback on proposed changes to data collection on small-business lending.
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Other News in Brief

December 22, 2025
Shannon Clark
CFPB seeks to rescind guidance on fair lending for noncitizens; OCC floats guidance for bank CRA compliance; CFPB publishes report on BNPL; court reduces payment in CFPB student loan servicer settlement.
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Seller Buybacks Surge in 3Q25, Pipeline Also Rises

December 19, 2025
John Bancroft
Recent buyback data suggest the 2024 vintage is one of the most pristine in modern GSE history, although repurchase volume was up in the third quarter of 2025. (Includes three data tables.)
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