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Short Takes: Potential CRA Relief for Smaller Banks / Affordability Expected to Improve / Rocket Preps CES Securitization

December 2, 2025
Brandon Ivey
The Office of the Comptroller of the Currency is looking into developing a “simplified strategic plan process” for community banks to comply with the Community Reinvestment Act.
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FHFA Announces 2026 Conforming Loan Limits

November 26, 2025
Dennis Hollier
For one-unit properties, the baseline conforming loan limit will be $832,750 in 2026.
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DOJ’s Mortgage-Fraud Lawsuit Against NY AG James Dismissed

November 25, 2025
Brandon Ivey
The ruling didn’t address the fraud allegations involving NY AG Letitia James.
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CFPB Proposes More Lenient Enforcement Under ECOA

November 25, 2025
Shannon Clark
The proposal also aims to limit activity under special purpose credit programs.
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Short Takes: Home Prices Increase / Senate Eyes Secondary Market for Construction Loans / CFPB’s Humility Pledge / Nomura Expands MBS Offerings

November 25, 2025
Brandon Ivey
Home prices increased by 2.2% on an annual basis as of the end of September, according to FHFA.
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MBA Displeased With Credit Reporting Product Price Hikes

November 24, 2025
James Dohnert
Bob Broeksmit, president and CEO of the Mortgage Bankers Association, said the rise in credit report pricing shows that the MBA is right to push for the end of the tri-merge credit reporting structure.
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Short Takes: FHA, Ginnie Nominations Move Forward / FHA Removes Disclosure Requirement / New Mortgage Lender / Fairway Partners on Credit Card

November 20, 2025
Brandon Ivey
The Mortgage Bankers Association called for the full Senate to quickly confirm the nominees.
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Ackman Offers Revised Plan for GSE Reform

November 19, 2025
Dennis Hollier
Ackman proposed a timeline that would allow the Trump administration to claim some short-term victories while working toward a larger capital raise.
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Shift in Bank Supervision at Fed Includes Boost for FHLBanks

November 18, 2025
Brandon Ivey
During recent times of stress on banks, Fed examiners have reportedly taken a less than positive view on potential usage of FHLBank advances.
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CFPB to Propose Major Changes Under ECOA

November 12, 2025
Shannon Clark
The bureau said the amendments would facilitate compliance with ECOA by clarifying the obligations imposed by the statute.
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