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Inside the CFPB

June 17, 2019

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Industry Concerned About 2018 HMDA Public Release

The public release of the complete 2018 HMDA dataset may lead to more fair lending scrutiny as it contains more information and is easy to access. Should lenders be concerned? Read More

Industry, Consumer Groups Divided on HMDA Threshold Plan

Industry groups and consumer advocates have differing views on the CFPB’s proposal to raise reporting thresholds under the Home Mortgage Disclosure Act. Read More

Freedom Fined for HMDA Reporting Workarounds

The CFPB fined Freedom Mortgage $1.75 million to settle allegations that the nation’s eighth largest home originator intentionally reported inaccurate data under the Home Mortgage Disclosure Act. Read More

Fair Lending Exams Happening, but Not Enforcement

The CFPB is still actively conducting fair lending exams, said compliance experts, but it remains a question mark whether the exams will turn to enforcement actions. Read More

Compliance Date For Payday Lending Rule Delayed

Lenders now have 15 more months to comply with the underwriting requirements of the payday lending rule. The CFPB is still considering rescinding that portion. Read More

CIDs More ‘Transparent’ Now

The bureau is providing companies more information about potentially wrongful conduct. It is also providing the applicable provisions of law. Read More

SFIG Wants CFPB to Reconsider Its Stance on Securitization Trusts

The Structured Finance Industry Group wants the CFPB to reconsider its decision to take action against securitization trusts for the wrongdoing of independent student loan servicers. Read More

CFPB Issues TRID Guidance On Construction Loans

The CFPB issued guidance on the disclosure requirements for construction loans. But an attorney said the guidance falls short of what the industry is seeking. Read More

FDIC Flags RESPA Issues in Supervisory Report for 2018

The Federal Deposit Insurance Corp. found violations of anti-kickback provisions under the Real Estate Settlement Procedures Act during 2018 supervision activities. Read More

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