HUD said its prior assertion that the disparate-impact regulations provided “clarity and predictability” is diminished following the Supreme Court decision overruling the Chevron framework.

FHFA Director Bill Pulte delivered on some of his touted plans during 2025, with many other efforts in limbo.

A federal district court judge said a lapse in funding at the CFPB would make it impossible for the bureau to fulfill its obligations under an existing preliminary injunction.

The federal regulator is seeking federal preemption of state laws requiring banks to pay interest on funds in mortgage escrow accounts.

Appraisal reforms included in a Senate-approved housing package didn’t make it into a housing bill moving through the House. Meanwhile, the MBA raised concerns about the reforms in the Senate legislation.

Mortgage applications are on the upswing as interest rates and spreads fall. FHFA says Trump is responsible, but critics disagree.

Several mortgage trade groups expressed support for a proposal from the CFPB to remove the use of disparate-impact liability under the Equal Credit Opportunity Act. Consumer advocates oppose the effort.

The MBA advanced a proposal to limit the tri-merge requirements on GSE mortgages to applicants with credit scores below 700, in an effort to reduce the cost of originating loans. Some argue that the real problem is pulling scores for borrowers who are never going to qualify for a mortgage.

Rep. French Hill, R-AR, prompted the House to draft its own housing legislation rather than approving a Senate package.

The Mortgage Bankers Association said a federal policy framework for AI will give lenders and technology partners the “certainty” needed to deploy the tech safely and responsibly. It will also limit state regulation.