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Industry Debates CFPB’s Plan to Eliminate DTI Ratio

The CFPB intends to do away with the debt-to-income metric as a mortgage underwriting factor and instead consider an alternative to assess a borrower’s ability to repay. The news drew mixed reactions. Read More

CFPB Makes a Retreat From Enforcing Abusiveness Claims

In a new policy statement, the CFPB said it will rely on a cost-benefit analysis to deal with “abusiveness” claims in supervision and enforcement. Read More

States Fear Losing Consumer Protection Power, Resources

More than a dozen briefs have been filed before the Supreme Court defending the CFPB’s constitutionality. State attorneys general told the high court that killing the bureau would harm states’ consumer protection authority. Read More

What Happens to CFPB CIDs Pending SCOTUS Decision?

The question now facing lenders is how they should respond to the CFPB’s civil investigative demands pending the Supreme Court’s decision in the Seila Law case.

Industry Flags Liability and Burden Issues Under TRID

The TRID rule’s cure liability issues and compliance burdens were the main focus of industry feedback letters to the CFPB. Read More

House Passes Credit Reporting Reform Package

The House of Representatives greenlighted a package of bills aimed at overhauling the credit reporting system. The legislation, however, has a dim future in the Senate. Read More

DOJ Political Appointee to Lead CFPB Enforcement

Thomas Ward, deputy assistant attorney general overseeing the torts branch in the civil division of the DOJ, will now serve as the CFPB’s assistant director for enforcement. Read More

New CFPB Guidance Created to be Reliable, Uncontentious

To provide greater clarity to financial institutions in meeting their legal obligations, the CFPB will add a new “compliance aids” category to its guidance. Read More

Other News in Brief

CFPB updates HMDA small entity compliance guide; the bureau files a lawsuit against Citizens Bank for credit card dispute issues; industry and consumer groups seek a delay in risk-retention rule revision. Read More

Inside the CFPB

February 3, 2020

View Archived Issues

Industry Debates CFPB’s Plan to Eliminate DTI Ratio

CFPB Makes a Retreat From Enforcing Abusiveness Claims

States Fear Losing Consumer Protection Power, Resources

What Happens to CFPB CIDs Pending SCOTUS Decision?

Industry Flags Liability and Burden Issues Under TRID

House Passes Credit Reporting Reform Package

DOJ Political Appointee to Lead CFPB Enforcement

New CFPB Guidance Created to be Reliable, Uncontentious

Other News in Brief

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Featured Poll

As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

Inside the CFPB

February 3, 2020

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As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?