The state regulator will be the first to use the Mortgage Compliance Dataset for residential mortgage origination examinations. The MCD offers a uniform format for state and federal regulatory data exchange.

Community Reinvestment Act errors accounted for 6.0% of all violations cited by Fed examiners to banks last year.

In 2025, the CFPB didn’t engage in any fair lending supervisory or enforcement activity; instead, it closed about 180 prior supervisory actions related to fair lending.

The bureau is accused of assigning materially less favorable, more complex, and travel-intensive work to Black examiners.

The framework provides state examiners with a tool to identify and understand AI at financial entities, assess associated risks and determine when deeper review may be needed.

The updates were made to adhere to the changes made under a final rule that recently took effect.

Industry experts said the mortgage industry is using AI for compliance efforts such as flagging fraud, asset reverification or ensuring operational controls are in place.

Brandon Milhorn, president and CEO of the Conference of State Bank Supervisors, said technology can completely change how state examinations are conducted.

Protect Borrowers, a consumer advocacy group, alleged that Bilt is causing harm to consumers by mishandling rent payments and disabling access to accounts as it transitions to a new credit card partner.

Chris Willis, a partner at the law firm of Troutman Pepper Locke, said the CFPB is likely to resume investigations into pending enforcement actions.