https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com Trade groups agree that the reputational harm provision of the suspended counterparty program regulation is redundant. http://www.insidemortgagefinance.com/articles/238304 Thu, 20 Aug 2026 11:56:13 -0400 https://www.insidemortgagefinance.com/articles/238304-industry-backs-fhfas-scp-rule-changes dhollier@imfpubs.com New PMIERs tables assigning risk factors to loans based on credit scores and LTV ratios strongly resemble the GSEs’ LLPA tables. http://www.insidemortgagefinance.com/articles/238264 Thu, 13 Aug 2026 11:12:47 -0400 https://www.insidemortgagefinance.com/articles/238264-pmiers-update-compares-relative-risks-of-vantagescore-40-and-classic-fico sclark@imfpubs.com Mortgage and banking trade groups want the CFPB to revise TRID’s timing requirements and tolerance thresholds. http://www.insidemortgagefinance.com/articles/238247 Thu, 13 Aug 2026 11:10:53 -0400 https://www.insidemortgagefinance.com/articles/238247-industry-welcomes dhollier@imfpubs.com The Trump administration continues to pressure homebuilders to address affordability by focusing more on first-time homebuyers. http://www.insidemortgagefinance.com/articles/238255 Thu, 13 Aug 2026 11:06:00 -0400 https://www.insidemortgagefinance.com/articles/238255-pulte-threatens-homebuilders-again dhollier@imfpubs.com Urban Institute researchers believe credit score gaming by lenders will raise scores for 44% of borrowers. Officials at FICO claim shopping appears to be occurring now that the GSEs accept VantageScore. http://www.insidemortgagefinance.com/articles/238173 Thu, 06 Aug 2026 11:50:29 -0400 https://www.insidemortgagefinance.com/articles/238173-credit-score-shopping-is-it-a-thing sclark@imfpubs.com The proposal would retain much of the 1995 regulatory framework while making changes to asset size thresholds and narrowing the range of retail banking services subject to CRA standards. http://www.insidemortgagefinance.com/articles/238170 Thu, 06 Aug 2026 11:48:31 -0400 https://www.insidemortgagefinance.com/articles/238170-occ-fdic-issue-cra-proposal-without-fed dhollier@imfpubs.com New business grew at both enterprises despite an across-the-board decrease in refinance loan acquisitions. http://www.insidemortgagefinance.com/articles/238172 Thu, 06 Aug 2026 11:44:39 -0400 https://www.insidemortgagefinance.com/articles/238172-gse-purchase-volume-sustains-profits bivey@imfpubs.com Trade groups urged federal regulators to follow through on an executive order to modernize appraisal requirements. http://www.insidemortgagefinance.com/articles/238179 Thu, 06 Aug 2026 11:43:41 -0400 https://www.insidemortgagefinance.com/articles/238179-trade-groups-call-for-reductions-in-appraisal-standards jdohnert@imfpubs.com Lenders are examining how they market to prospective borrowers following the passage of the trigger leads bill in March. http://www.insidemortgagefinance.com/articles/238123 Thu, 30 Jul 2026 11:06:00 -0400 https://www.insidemortgagefinance.com/articles/238123-lenders-leverage-new-strategies-to-adjust-to-hppa-rules dhollier@imfpubs.com Construction loans may be too risky for the GSEs to purchase at scale, but Fannie has other products that help increase and preserve supply. http://www.insidemortgagefinance.com/articles/238040 Fri, 24 Jul 2026 15:55:22 -0400 https://www.insidemortgagefinance.com/articles/238040-fannies-supply-problem-strategies dhollier@imfpubs.com MBS disclosures show that, from April to June, VantageScore 4.0 has only been used to qualify roughly $579 million in mortgages in Fannie Mae or Freddie Mac pools. http://www.insidemortgagefinance.com/articles/238051 Thu, 23 Jul 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/238051-vantagescore-40-uptake-still-scant jdohnert@imfpubs.com Homebuilders believe that in addition to the federal housing bill, localized reforms are needed to address housing affordability. http://www.insidemortgagefinance.com/articles/238057 Thu, 23 Jul 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/238057-homebuilders-hope-for-more-changes-after-housing-bill dhollier@imfpubs.com Historic data appear to show that FICO 10T credit scores are slightly more accurate than VantageScore 4.0 at predicting defaults. http://www.insidemortgagefinance.com/articles/237990 Thu, 16 Jul 2026 11:12:22 -0400 https://www.insidemortgagefinance.com/articles/237990-comparing-fico-10t-to-vantagescore-40 bivey@imfpubs.com The revised Basel proposal doesn’t provide any capital relief for bank holdings of mortgages that carry private mortgage insurance. http://www.insidemortgagefinance.com/articles/237986 Thu, 16 Jul 2026 11:05:29 -0400 https://www.insidemortgagefinance.com/articles/237986-capital-requirement-reduction-sought-for-private-mi sclark@imfpubs.com The Federal Reserve is poised to issue a final rule adjusting requirements under the Community Reinvestment Act. It’s unclear if the Fed’s final rule will be issued jointly with the OCC and FDIC. http://www.insidemortgagefinance.com/articles/237989 Thu, 16 Jul 2026 11:04:31 -0400 https://www.insidemortgagefinance.com/articles/237989-fed-nears-finish-line-with-new-cra-final-rule dhollier@imfpubs.com Sen. Scott Fitzgerald, R-WI, introduced a bill with TRID amendments as part of his plan to increase the supply of housing. http://www.insidemortgagefinance.com/articles/237920 Mon, 13 Jul 2026 14:12:40 -0400 https://www.insidemortgagefinance.com/articles/237920-bill-would-simplify-tila-respa-requirements 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