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Inside the CFPB

June 1, 2026

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CFPB Facing Lawsuit Over Changes to ECOA Standards

The lawsuit filed by consumer advocacy groups contended that the new ECOA rule is a drastic turn from decades of interpretation and enforcement of the statute. Read More

Mortgage Denial Rates Largely Decline in 2025

Denial rates for most mortgage products declined on an annual basis in 2025, though denials of applications for purchase mortgages via FHA and USDA increased slightly. (Includes data table.) Read More

CFPB Pushed to Prioritize Updates to Reg X

Matt Tully, chief compliance and customer success officer at Sagent, said the mortgage industry wants Reg. X updates to reflect experiences over the last decade. Read More

X-PERT Loses Mortgage License Over Illegal Practices

Illinois-based X-PERT Mortgage and its president had their mortgage licenses taken away by the state for allegedly hiring an unlicensed loan officer. Read More

Rocket Seeks Dismissal of RESPA Lawsuit on Referrals

The lawsuit alleged that Rocket funneled leads to real estate agents who in turn steered clients to Rocket Mortgage. Plaintiffs also alleged that Rocket acquired Redfin to bring its steering practices “in house.” Read More

Impact of New ECOA Rule to Vary by Institution

Pending changes to disparate-impact liability enforcement will have a big effect on some industries, such as indirect auto finance, but the mortgage industry will likely be spared. Read More

Lenders Cautioned on Alternative Credit Risks

While alternative data can be used as a tool to expand credit access to unscored consumers, some industry experts cautioned lenders about turning away from the traditional credit reporting ecosystem. Read More

Other News in Brief

HMDA compliance AI tool launched; law firm offers mortgage AI audit practice; federal court approves $110 million settlement involving Wells Fargo; NYDFS reinforces disparate-impact liability. Read More

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