For its part, the CFPB said it will take an “active leadership role” on the Federal Financial Institutions Examination Council’s Appraisal Subcommittee.

A study found that mortgages subject to TRID are less attractive to lenders than the pre-TRID version. The CFPB noted its own analysis didn’t find a long-term decline in mortgage originations linked to TRID.

The Conference of State Bank Supervisors is optimistic it will avoid a repeat of the technical glitches that plagued the annual NMLS license renewal process last year.

Written correspondence sent to a mortgage servicer providing sufficient information to identify the account and an alleged servicing error is a “qualified written request,” the Fourth Circuit Court of Appeals ruled.

Without proper safeguards, the bureau warned, flawed versions of automated valuation models could “digitally redline certain neighborhoods and further embed and perpetuate historical lending disparities.”

Both industry and consumer groups welcomed OCC’s principle-based approach to large banks’ management of climate-related financial risk. Most of the feedback focused on scenario analysis related to climate-related risks.

Auto lending practices under scrutiny; fair lending testing bill; CBA wants CFPB to examine small fintechs; court grants interlocutory review of NCSLT-CFPB decision; EFTA compliance bulletin; interagency letter on unmet credit needs; comment on FTC settlement; PSLF waivers.

Smaller nonbanks don’t have the economies of scale to monitor how the CFPB might deviate from state interpretations of federal consumer mortgage rules and regulations, the Community Home Lenders Association said in a letter to the CFPB.

Trade associations said HMDA disclosure requirements impose a substantial financial burden on their members, while advocates pressed for more data to be collected and published.

The list includes updating the Community Reinvestment Act, reviewing bank merger rules, implementing Basel III standards and expanding engagement on crypto- and climate-related risks.