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Regulation
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Mission Lending Responsibilities Could Follow GSEs

January 16, 2025
Dennis Hollier
Affordable housing advocates say ending the GSE conservatorships administratively won’t relieve the enterprises from the mission-related responsibilities included in their charters and HERA.
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New Year Brings Higher Costs for Credit Pulls

January 16, 2025
Paul Muolo
Prices for credit pulls are rising again, prompting frustrations among lenders.
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Republican Appointees Detail New Agenda for Bank Regulation

January 16, 2025
Shannon Clark
Bank regulators run by Trump-appointed leaders could move to issue a revised proposal on capital requirements for large banks, according to FDIC Vice Chairman Travis Hill.
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Industry Skeptical of Biden Admin’s PSPA Amendments

January 9, 2025
Dennis Hollier
Lenders doubt the changes agreed to by FHFA and Treasury will hasten the end of the conservatorships; they may even delay it.
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Trump Admin Could Move to Limit GSE Business, Again

January 9, 2025
Dennis Hollier
Lenders are concerned that the incoming Trump administration might reinstate limits on GSE acquisitions, repeating an action from the first Trump administration.
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Grapevine: Leadership Shakeup at Fed; States, NAHB Sue HUD

January 9, 2025
Brandon Ivey
Michael Barr to step down as Fed vice chair for supervision; fifteen states and the National Association of Home Builders sue HUD over energy-efficiency requirements; Ally to exit origination business.
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CFPB Issues Final Rule to Wipe Medical Debt Off Credit Reports

January 9, 2025
Shannon Clark
The regulator estimates that the move will prompt a jump in mortgage originations. The rule is largely unchanged from an earlier proposal despite concerns raised by mortgage companies.
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Biden Admin to Leave Regulatory Items Lingering

January 2, 2025
Brandon Ivey
The next step to revise capital requirements for large banks is undetermined, two mortgage efforts at the CFPB will fall to a Republican appointee and FHFA’s planned reforms for the FHLBanks face uncertainty.
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Little Differences Between FICO and VantageScore

January 2, 2025
Dennis Hollier
Despite a lack of historical data on FICO 10 T, Urban Institute researchers find positive signs that the shift away from Classic FICO to VantageScore 4.0 and FICO 10 T will not dramatically impact loan performance.
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Property Insurance Non-Renewals a Growing Concern

January 2, 2025
James Dohnert
A new report from the Senate Budget Committee highlights how property insurance non-renewals are impacting homeowners and lenders.
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