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Home » Topics » Inside the CFPB » State Regulation

State Regulation
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PHH Granted Some Relief in Website Tracking Lawsuit

June 29, 2026
Shannon Clark
A California district court dismissed certain claims under the Comprehensive Computer Data Access and Fraud Act, finding that the plaintiff lacked standing.
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States Set New Standards for Mortgage Assumptions

June 15, 2026
Shannon Clark
Three states have enacted legislation to prohibit denials of divorce- triggered mortgage assumptions. Similar statutes are likely to follow in other states.
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SCOTUS Urged to Revisit Federal Preemption

June 15, 2026
Shannon Clark
Mortgage borrowers urged the high court to weigh in on federal preemption, once again, saying a circuit court split involving interest payments on funds in mortgage escrow accounts heightens the stakes.
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X-PERT Loses Mortgage License Over Illegal Practices

June 1, 2026
Shannon Clark
Illinois-based X-PERT Mortgage and its president had their mortgage licenses taken away by the state for allegedly hiring an unlicensed loan officer.
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California Taps Chopra for New Watchdog Agency

May 18, 2026
Shannon Clark
The former director of the CFPB will lead California’s new Business and Consumer Services Agency, which will launch July 1.
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CSBS Makes Significant Updates to NMLS

May 18, 2026
Shannon Clark
The changes are part of the Conference of State Bank Supervisors’ ongoing efforts to improve the NMLS user experience and respond to user feedback.
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CFPB Reshapes Fair Lending Enforcement Under ECOA

May 4, 2026
Shannon Clark
The new standards for fair lending enforcement are set to take effect in July. Industry attorneys have warned that the changes to ECOA regulations don’t signal the end of fair lending risk for lenders.
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States Urged to Prioritize CRA Implementation

April 20, 2026
Shannon Clark
With the Trump administration working under CRA requirements set in 1995, fair housing advocates asked states to step up and implement their own CRA laws.
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District Court Ruling Could Prompt More CCPA Lawsuits

April 20, 2026
Shannon Clark
A California district court upheld a plaintiff’s California Consumer Privacy Act claim against PHH Mortgage for sharing his personal information without his consent.
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NYDFS Working on Regulations for BNPL Loans

April 6, 2026
Shannon Clark
A senior official at NYDFS said the state regulator isn’t trying to fit buy now, pay later loans into an outdated regulatory box, but is trying to ensure the framework reflects the product as it actually exists today.
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