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Regulation
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A Ball of Confusion: HUD, DOGE and Staff Cuts

February 27, 2025
Paul Muolo
Is the White House being less than forthcoming about job cuts at HUD and DOGE finding “misplaced” funds at the agency? You decide. But mortgage bankers are getting nervous.
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HMDA Compliance Active, Some Changes Expected

February 27, 2025
Shannon Clark
Work may have ceased temporarily at the CFPB while the regulator undergoes leadership changes, but lenders are advised that Home Mortgage Disclosure Act reporting requirements remain in effect.
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Private Mortgage Insurers Cautious on GSE Reform

February 27, 2025
Dennis Hollier
Even though their businesses depend on Fannie and Freddie, private mortgage insurance providers don’t seem worried about the Trump administration’s efforts to release the GSEs from conservatorship.
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Regulators May Make Capital Reforms More Bank-Friendly

February 27, 2025
Brandon Ivey
Trump’s election win stalled the Biden administration’s effort to impose tougher capital requirements for banks. Federal regulators are likely to continue to work on the reforms, but in a more bank-friendly way.
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Regulatory Environment Loosening Under Trump

February 27, 2025
James Dohnert
Questions still remain about the future of the CFPB with some industry leaders wondering if it will be streamlined or shuttered.
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Grapevine: Freddie Acquiring Seconds; MBA Supports McKernan

February 27, 2025
Brandon Ivey
Freddie moves forward on second-lien pilot; MBA supports Trump nominee to lead CFPB.
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Severe Turbulence Expected From HUD, FHA Job Cuts

February 20, 2025
Paul Muolo
Can HUD, FHA and Ginnie survive with 50% fewer workers? Fasten the seat belt and put on your helmet. We may soon find out.
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CSBS Prudential Standards for Nonbanks Gaining Traction

February 20, 2025
Shannon Clark
Multiple states are drafting exam procedures that align with the prudential standards established by the CSBS.
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Servicing Communications Should Consider Generational Differences

February 20, 2025
James Dohnert
Servicers may need new strategies to reach younger homeowners who prefer not to talk on the phone or respond to snail mail.
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Another Big Hire for Cenlar: A Chief Banking Officer

February 13, 2025
Paul Muolo
Subservicing giant Cenlar created the post of chief banking and capital markets officer, hiring JB Long to man the post.
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