Critics argue that community banks and small credit unions are vulnerable to rules designed for large lenders. Also, if Fannie and Freddie exit conservatorship, many of the guardrails protecting small lenders could vanish.

GSE reform garnered a slight mention in the White House budget document. Meaning? Draw your own conclusions.

Data confirm that forbearance and income support during the pandemic reduced serious delinquency rates. Economists say deferrals and home price increases should help keep them down.

The so-called rent-a-bank scheme allowed nonbanks to get around state caps on interest rates, according to Democratic lawmakers.

The fund provides grants to help struggling borrowers cover mortgage payments, loan modifications and housing expenses.

Nondepositories may not object to the anti-redlining regulations if they come with bank-like privileges.

Federal Reserve Chair Jerome Powell suggested expanding the Community Reinvestment Act to include nondepository financial institutions but said Congress will have to make that decision.

Many industry analysts believe the tax incentive, given a lack of housing inventory, would act as a subsidy to sellers rather than an aid to homebuyers.

Critics argue that the goals, as currently structured, don’t offer much assistance to low- and moderate-income borrowers or mortgagors of color.

At a Senate committee hearing this week, consumer advocates called for stronger enforcement, industry representatives picked on the CFPB and Republicans and Democrats pushed different priorities.