June 9, 2025

LO Comp, Servicing Rules May Be in for Some Changes

The CFPB has sent five regulations to the Office of Management and Budget for review, including the loan originator compensation and mortgage servicing rules. Read More

Redlining Enforcement Has Gone Too Far, ABA Says

The trade group said federal banking regulators have shifted from relying on evidence of intentional discrimination to bring redlining claims to using a “proportional distribution test.” Read More

Collateral Issues, Incomplete Applications Limited Refis in 2024

Debt-to-income ratio was cited as the top reason by lenders when rejecting applications for purchase mortgages in 2024, while lack of credit history was the top factor for refinance denials. (Includes data table.) Read More

PACE Trade Group Challenges CFPB Rule

A trade group representing residential Property Assessed Clean Energy financial providers filed a lawsuit against the final rule, which is set to take effect in early 2026. Read More

Ruling Creates Potential Work-Product Doctrine Challenges

A ruling by a district court on a cybersecurity incident at Lakeview Loan Servicing could create challenges for other financial entities under the work-product doctrine. Read More

Without Much Fanfare, CFPB Ends 22 Enforcement Actions

Cases in which the bureau is seeking to terminate its consent order early or has sought to vacate are tied to Wise US, Toyota Motor Credit Corp., Townstone Financial and Trustmark National Bank. Read More

ABA Seeks Withdrawal of HUD’s Discriminatory Effects Rule

The 2023 disparate-impact standard doesn’t align with the policy of the Trump administration and should be replaced by a 2020 version, the trade group said. Read More

CFPB Disburses Restitution Checks Following Nudge From AGs

The restitution checks are tied to a $4.2 million settlement reached in 2023 with Prehired for engaging in illegal student lending services. Read More

Other News in Brief

Court stays action in Section 1071 lawsuit; online state mortgage licensing map. Read More

Inside the CFPB

View Archived Issues

LO Comp, Servicing Rules May Be in for Some Changes

Redlining Enforcement Has Gone Too Far, ABA Says

Collateral Issues, Incomplete Applications Limited Refis in 2024

PACE Trade Group Challenges CFPB Rule

Ruling Creates Potential Work-Product Doctrine Challenges

Without Much Fanfare, CFPB Ends 22 Enforcement Actions

ABA Seeks Withdrawal of HUD’s Discriminatory Effects Rule

CFPB Disburses Restitution Checks Following Nudge From AGs

Other News in Brief

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Featured Data

Non-Agency Jumbo Originations Slow in Third Quarter

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Featured Reports

Lender Profiles 2Q25: Top 25 (PDF)

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Mortgage Profitability Report 2Q25 (PDF)

IMF HMDA Dashboard: 2024

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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?

Inside the CFPB

June 9, 2025

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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?