The CFPB last month finalized, without changes, a procedural rule to update its Rules of Practice for Adjudication Proceedings. The bureau received four comments on the rulemaking.

The bureau is seeking data on the auto lenders’ originations, servicing and repossessions dating back to 2018.

The Appraisal Foundation plans to revise ethics rule draft; CashCall faces $169 million in restitution and fines; companies not reporting credit card payment data; public benefits programs subject to fees; CFPB, FTC seek input on tenant background checks; DOJ redlining settlement.

The GSEs’ regulator has backtracked on its controversial rules for commingled securities.

Almost all of the decline in combined GSE profits was due to a spike in loan-loss provisions. But while Fannie’s provisions continued to grow in the fourth quarter, Freddie’s may have peaked in the third quarter. (Includes data chart.)

Will lower FHA premiums steal market share from the GSEs? According to analysts, private mortgage insurer pricing still makes the GSEs the better execution for borrowers with credit scores over 680. But private MIs are still nervous.

The mortgage giant has introduced new valuation options as it moves away from the policy that “appraisal is a default requirement.”

Deciding whether the GSEs should use FICO or VantageScore or both turned out to be the easy part. The hard part is going to be the multiyear process of figuring out how to use the scores together.

FHFA plans to host nine roundtable discussions and a three-day listening session as part of its review of the Federal Home Loan Banks.

In a sign of how much business declined at Fannie and Freddie last year, their contributions to the two affordable housing programs are off 50% from 2022.