https://www.insidemortgagefinance.com/rss en-us bivey@imfpubs.com The CFPB plans to issue a servicing rule in August and is considering revisions to ATR/QM requirements. Both HUD and VA have a long list of rulemaking plans, while FHFA’s regulatory agenda is more limited. http://www.insidemortgagefinance.com/articles/237942 Thu, 09 Jul 2026 12:08:42 -0400 https://www.insidemortgagefinance.com/articles/237942-trump-admin-plans-major-reforms-to-mortgage-rules bivey@imfpubs.com Mortgage lenders want reduced capital requirements on warehouse lending by banks. They believe higher capital requirements will flow through to pricing for mortgages. http://www.insidemortgagefinance.com/articles/237929 Thu, 09 Jul 2026 12:07:43 -0400 https://www.insidemortgagefinance.com/articles/237929-mortgage-players-seek-lighter-touch-on-warehouse-capital bivey@imfpubs.com Federal regulators are open to adjusting the 250% risk weight that currently applies to bank holdings of mortgage servicing rights. Trade groups are calling for it to be reduced to 100%. http://www.insidemortgagefinance.com/articles/237820 Thu, 25 Jun 2026 11:56:35 -0400 https://www.insidemortgagefinance.com/articles/237820-banks-seek-looser-capital-requirements-for-msrs bivey@imfpubs.com Leaders in the Senate and House reached an agreement this week on the 21st Century ROAD to Housing Act. http://www.insidemortgagefinance.com/articles/237788 Thu, 18 Jun 2026 09:09:00 -0400 https://www.insidemortgagefinance.com/articles/237788-congress-set-to-pass-wide-ranging-housing-bill dhollier@imfpubs.com The FHFA director told homebuilders that Fannie Mae and Freddie Mac probably won’t play a big role in construction finance, but the Federal Home Loan Banks may expand their participation in the sector. http://www.insidemortgagefinance.com/articles/237762 Thu, 18 Jun 2026 09:08:00 -0400 https://www.insidemortgagefinance.com/articles/237762-despite-dni-gig-pulte-still-making-fhfa-plans bivey@imfpubs.com The March re-proposal of bank capital requirements could lead to harsher treatment of warehouse lending. On the flipside, the proposal includes incentives for larger nonbanks to seek bank charters. http://www.insidemortgagefinance.com/articles/237773 Thu, 18 Jun 2026 09:05:00 -0400 https://www.insidemortgagefinance.com/articles/237773-capital-proposal-could-hit-warehouse-lending dhollier@imfpubs.com The Broker Action Coalition says that if the borrower pays for a credit report, they should own it, a concept it believes could significantly reduce closing costs. http://www.insidemortgagefinance.com/articles/237769 Thu, 18 Jun 2026 09:04:00 -0400 https://www.insidemortgagefinance.com/articles/237769-brokers-step-up-push-for-portable-credit-scores dhollier@imfpubs.com Critics say the FHFA director is woefully underqualified to lead national intelligence. The impact on FHFA is also unclear. http://www.insidemortgagefinance.com/articles/237701 Thu, 11 Jun 2026 12:04:00 -0400 https://www.insidemortgagefinance.com/articles/237701-director-pulte-vs-dni-pulte dhollier@imfpubs.com Following adoption by the 30-largest lenders, VantageScore will focus on making sure technology providers and smaller lenders are prepared to implement its new credit score model. http://www.insidemortgagefinance.com/articles/237638 Thu, 04 Jun 2026 12:08:00 -0400 https://www.insidemortgagefinance.com/articles/237638-whats-next-for-vantagescore-40 sclark@imfpubs.com Citi reportedly terminated a special purpose credit program in response to the CFPB’s ECOA final rule. http://www.insidemortgagefinance.com/articles/237649 Thu, 04 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237649-cfpb-ecoa-rule-sparks-lender-spcp-changes sclark@imfpubs.com A return to activities-based nonbank designation could help the Financial Stability Oversight Council get ahead of nonbank risk. http://www.insidemortgagefinance.com/articles/237634 Thu, 04 Jun 2026 12:03:00 -0400 https://www.insidemortgagefinance.com/articles/237634-fsoc dhollier@imfpubs.com Lender trade groups argue that the expanded use of alternative valuations by the GSEs will improve the reliability of appraisals. http://www.insidemortgagefinance.com/articles/237646 Thu, 04 Jun 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237646-mortgage-industry-endorses-appraisal-modernization sclark@imfpubs.com The Trump administration has directed the CFPB to remind lenders that they should consider that deportation and loss of wages are risks when extending credit to certain noncitizens. http://www.insidemortgagefinance.com/articles/237561 Thu, 28 May 2026 11:52:10 -0400 https://www.insidemortgagefinance.com/articles/237561-trump-orders-regs-to-prioritize-citizenship-status-in-lending sclark@imfpubs.com The proposal would reinstate several elements of FSOC’s 2019 nonbank designation guidance in addition to some new changes. http://www.insidemortgagefinance.com/articles/237573 Thu, 28 May 2026 11:51:12 -0400 https://www.insidemortgagefinance.com/articles/237573-trade-groups-back-fsoc-changes-to-nonbank-desiginations dhollier@imfpubs.com Early interest in the VantageScore 4.0 pilot has been strong, but participants note that the new score can be up to 100 points different from Classic FICO. http://www.insidemortgagefinance.com/articles/237532 Thu, 21 May 2026 12:00:10 -0400 https://www.insidemortgagefinance.com/articles/237532-vantagescore-uptake-matches-expectations bivey@imfpubs.com Versions of the 21st Century ROAD to Housing Act have passed both the House and Senate with broad bipartisan support. However, differences persist. http://www.insidemortgagefinance.com/articles/237518 Thu, 21 May 2026 11:45:17 -0400 https://www.insidemortgagefinance.com/articles/237518-house-passes-revised-housing-bill-senate-fate-unclear sclark@imfpubs.com The final rules clarify that the National Bank Act preempts state interest-on-escrow laws and codify national banks’ powers to maintain mortgage escrow accounts and to set their terms and conditions. http://www.insidemortgagefinance.com/articles/237520 Thu, 21 May 2026 11:43:21 -0400 https://www.insidemortgagefinance.com/articles/237520-occ-finalizes-rules-preempting-state-laws-on-escrow-interest jdohnert@imfpubs.com Canandaigua National Bank claims the Federal Reserve wrongfully rejected its application for offering cash-guarantee mortgages. http://www.insidemortgagefinance.com/articles/237454 Thu, 14 May 2026 12:02:13 -0400 https://www.insidemortgagefinance.com/articles/237454-bank-takes-fed-to-court-over-cash-guarantee-mortgages bivey@imfpubs.com Federal bank regulators are looking to reduce the capital requirements that apply to mortgage servicing rights and to mortgages held in portfolio. A March proposal is seen as making mortgage lending and servicing somewhat more attractive for banks. http://www.insidemortgagefinance.com/articles/237451 Thu, 14 May 2026 12:01:15 -0400 https://www.insidemortgagefinance.com/articles/237451-capital-proposal-gives-banks-an-opening-on-mortgages dhollier@imfpubs.com Despite ending his long hiatus on GSE talk, Trump fails to persuade skeptics that he’s ready to take Fannie and Freddie out of conservatorship anytime soon. http://www.insidemortgagefinance.com/articles/237398 Thu, 07 May 2026 12:06:20 -0400 https://www.insidemortgagefinance.com/articles/237398-trump-comments-revive-ipo-speculation sclark@imfpubs.com Housing experts are optimistic that recent regulatory initiatives will help increase housing supply. http://www.insidemortgagefinance.com/articles/237397 Thu, 07 May 2026 12:00:35 -0400 https://www.insidemortgagefinance.com/articles/237397-industry-hopeful-about-recent dhollier@imfpubs.com Stakeholders are speculating on the next steps for bringing the new credit scores to market without complete transparency. http://www.insidemortgagefinance.com/articles/237337 Thu, 30 Apr 2026 12:06:39 -0400 https://www.insidemortgagefinance.com/articles/237337-operational-challenges-for-lenders-implementing-vantagescore-40 sclark@imfpubs.com The final rule eliminating disparate impact from enforcement of the Equal Credit Opportunity Act was issued as it was proposed in November, despite more than 64,000 comments on the proposal. http://www.insidemortgagefinance.com/articles/237268 Thu, 23 Apr 2026 12:09:04 -0400 https://www.insidemortgagefinance.com/articles/237268-cfpb-publishes-unchanged-ecoa-final-rule sclark@imfpubs.com The trade group called for the CFPB to implement regulatory reforms across the board so that all sizes of lenders can see lower costs and boost mortgage access. http://www.insidemortgagefinance.com/articles/237265 Thu, 23 Apr 2026 12:07:08 -0400 https://www.insidemortgagefinance.com/articles/237265-cfpb-pressed-to-include-trump-mortgage-directives-in-strategic-plan dhollier@imfpubs.com Industry watchers believe the abruptly cancelled FHFA/HUD press conference was tied to implementation of VantageScore 4.0. http://www.insidemortgagefinance.com/articles/237195 Thu, 16 Apr 2026 11:25:30 -0400 https://www.insidemortgagefinance.com/articles/237195-fhfa-and-hud-postpone-major-housing-announcement dhollier@imfpubs.com The Broker Action Coalition is asking its members to bring their credit report bills to the trade group’s Washington fly-in this month so DC politicians can see how much a monopoly costs. http://www.insidemortgagefinance.com/articles/237152 Thu, 09 Apr 2026 11:52:41 -0400 https://www.insidemortgagefinance.com/articles/237152-mortgage-brokers-spill-the-beans-on-credit-score-costs jdohnert@imfpubs.com A FASB taskforce recommended that accounting practices for mortgage servicing rights should include recapture in valuations. http://www.insidemortgagefinance.com/articles/237138 Thu, 09 Apr 2026 11:48:46 -0400 https://www.insidemortgagefinance.com/articles/237138-fasb-moves-forward-on-update-for-msr-recapture-accounting sclark@imfpubs.com Washington state’s financial regulator has accused Newrez of repeatedly violating the state’s Consumer Loan Act through “deficient” mortgage servicing practices. http://www.insidemortgagefinance.com/articles/237150 Thu, 09 Apr 2026 11:46:51 -0400 https://www.insidemortgagefinance.com/articles/237150-newrez-faces-42-million-fine-over-servicing-violations jdohnert@imfpubs.com New guidelines would eliminate the threshold-based deduction for mortgage servicing rights and apply a 250% risk weight to the assets. http://www.insidemortgagefinance.com/articles/237038 Thu, 26 Mar 2026 12:09:22 -0400 https://www.insidemortgagefinance.com/articles/237038-basel-re-proposal-not-enough-to-bring-big-banks-back-to-mortgage sclark@imfpubs.com State regulators are still in the early stages of considering changes to how the largest nonbank mortgage companies are supervised. http://www.insidemortgagefinance.com/articles/237039 Thu, 26 Mar 2026 12:08:24 -0400 https://www.insidemortgagefinance.com/articles/237039-state-regulators-not-ready-to-reform-nonbank-supervision