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Home » Topics » Inside Mortgage Finance » Regulation

Regulation
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Lenders Assess Housing Policies of Harris and Trump

September 26, 2024
Shannon Clark
The presidential candidates have vastly different priorities when it comes to addressing the nation’s housing policies.
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Timing of Bank Capital Re-Proposal Unclear

September 26, 2024
Brandon Ivey
A Fed board member recently outlined plans for re-proposing bank capital requirements. The FDIC appears to be running into complications.
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Mortgage Market Adjusts Following Fed’s 50-BP Rate Cut

September 19, 2024
James Dohnert
The Federal Reserve announced a 50-basis-point reduction in the federal funds rate this week. Interest rates on mortgages have come down by more than that in recent weeks in anticipation of the Fed’s move.
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Bank Capital Re-Proposal Plan Brings Relief — and Uncertainty

September 19, 2024
Brandon Ivey
More than a week after a Fed official outlined a planned re-proposal to adjust capital requirements for large banks, industry participants are still waiting for the formal document.
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Re-Proposed Basel III Endgame Will Have Concessions for Mortgages

September 12, 2024
Dennis Hollier
Federal regulators are set to re-propose Basel III capital requirements for large banks. Federal Reserve Vice Chair Michael Barr will recommend eliminating a proposed 20% risk-weighting add-on for mortgages.
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Trade Groups Urge CFPB to Reconsider Servicing Proposal

September 12, 2024
Shannon Clark
While trade groups want the CFPB to update Regulation X’s mortgage servicing standards, a recent proposal from the CFPB received mixed reviews.
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Home Equity Investments Offer Vast Potential, Risks

September 12, 2024
Brandon Ivey
Home equity investments allow homeowners to receive cash in exchange for a share in home price appreciation. Activity in the sector has grown to the extent that there was a conference dedicated to HEIs last week.
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Grapevine: Harris Touts Housing Plans; Trump Floats Mortgage Proposal

September 12, 2024
Monica Hogan and Brandon Ivey
Harris reiterates housing plan at debate; Trump vows to prohibit mortgages for undocumented residents; CFPB plans open banking rule for mortgages; Rocket to rebrand.
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Disaster Recovery in the Age of Climate Change

September 5, 2024
Dennis Hollier
Industry experts at a MISMO conference discussed the challenges of forecasting climate risk and its impact on mortgage performance.
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Texas Court Rules in Favor of CFPB on Data Collection Rule

September 5, 2024
Shannon Clark
The court said the CFPB has authority to issue the rule that will establish HMDA-like reporting standards for loans to small businesses.
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