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      <title>Grapevine: Flagstar Back in Warehouse Lending; FICO Probe</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Flagstar offering warehouse loans through partnership; senator investigating FICO; Waters wants conference committee for housing bill.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237036</guid>
      <pubDate>Thu, 26 Mar 2026 12:00:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237036-grapevine-flagstar-back-in-warehouse-lending-fico-investigation</link>
    </item>
    <item>
      <title>Divisions on Housing Bill Increase With Senate Passage</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Senate last week passed a revised version of legislation aimed at easing housing affordability. House leaders aren’t fully happy with the bill.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236969</guid>
      <pubDate>Thu, 19 Mar 2026 13:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236969-divisions-on-housing-bill-increase-with-senate-passage</link>
    </item>
    <item>
      <title>MBA Critical of Housing Bill Ahead of Vote in Senate</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Senate is set to vote on legislation aimed at addressing housing affordability. MBA had supported earlier versions of the bill in the House and Senate.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236909</guid>
      <pubDate>Thu, 12 Mar 2026 11:40:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236909-mba-critical-of-housing-bill-ahead-of-vote-in-senate</link>
    </item>
    <item>
      <title>Gray Areas Linger in Trigger Lead Reform</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The law banning trigger leads will make consumers less vulnerable to unsolicited credit offers, but the reforms still need some fine-tuning.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236738</guid>
      <pubDate>Thu, 26 Feb 2026 12:01:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236738-gray-areas-linger-in-trigger-lead-reform</link>
    </item>
    <item>
      <title>Grapevine: Trump Puts Emphasis on Rates; Mortgage Applications Level</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[No new housing initiatives from President Trump; mortgage applications steady; home prices increase modestly in 2025; Democrats in Senate introduce bill aimed at limiting SFR institutional investors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236778</guid>
      <pubDate>Thu, 26 Feb 2026 12:00:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236778-grapevine-trump-puts-emphasis-on-rates-mortgage-applications-level</link>
    </item>
    <item>
      <title>Congress Returns to the Conservatorship Debate</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[House Republicans said they’re drafting legislation that would end the conservatorships of Fannie Mae and Freddie Mac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236697</guid>
      <pubDate>Thu, 19 Feb 2026 11:52:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236697-congress-returns-to-the-conservatorship-debate</link>
    </item>
    <item>
      <title>GSEs Seen as Poorly Positioned to Help With Affordability</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Former Freddie CEO believes most prospective remedies to the affordability crisis will benefit only borrowers who don’t need the help.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236656</guid>
      <pubDate>Thu, 12 Feb 2026 11:34:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236656-are-gses-an-efficient-tool-to-address-affordability</link>
    </item>
    <item>
      <title>MBA Criticizes CDIA Argument Over Credit Report Requirements</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Bob Broeksmit, president and CEO of MBA, said the CDIA is distorting mortgage lenders’ position and reason for urging a change to the tri-merge credit reporting requirement.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236579</guid>
      <pubDate>Thu, 05 Feb 2026 11:59:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236579-mba-cdia-continue-sparring-over-credit-report-requirements</link>
    </item>
    <item>
      <title>GSE Privatization Unlikely During Election Year</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Pete Mills, a senior vice president at MBA, believes housing affordability initiatives are more likely to come from executive orders this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236578</guid>
      <pubDate>Thu, 05 Feb 2026 11:57:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236578-gse-privatization-unlikely-during-election-year</link>
    </item>
    <item>
      <title>Political Parties Differ on Cause of Housing Affordability Issues</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[House Republicans blamed regulations and immigration, while Democrats believe President Trump’s effort to ban institutional investors from buying single-family homes didn’t go far enough.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236506</guid>
      <pubDate>Thu, 29 Jan 2026 11:42:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236506-experts-pitch-congress-on-reforms-to-boost-housing-affordability</link>
    </item>
    <item>
      <title>Trump Against Plan to Use 401(k) for Downpayments</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[President Trump has opposed a plan from his economic advisor to waive penalties on 401(k) withdrawals used for a downpayment.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236508</guid>
      <pubDate>Thu, 29 Jan 2026 11:39:57 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236508-trump-puts-the-breaks-on-plan-to-use-401k-for-downpayments</link>
    </item>
    <item>
      <title>Trump Signs EO Targeting Wall Street-Backed Landlords</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The executive order seeks to limit institutional investors from purchasing single-family homes, but some market participants believe it would do little to boost housing affordability nationally.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236450</guid>
      <pubDate>Thu, 22 Jan 2026 11:52:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236450-trump-signs-executive-order-targeting-institutional-investors</link>
    </item>
    <item>
      <title>Appraisal Reforms Could Be Sticking Point in Congress</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Appraisal reforms included in a Senate-approved housing package didn’t make it into a housing bill moving through the House. Meanwhile, the MBA raised concerns about the reforms in the Senate legislation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236310</guid>
      <pubDate>Thu, 08 Jan 2026 12:19:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236310-appraisal-reforms-could-be-sticking-point-in-congress</link>
    </item>
    <item>
      <title>Housing Bill Moves in House, Differing From Senate</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rep. French Hill, R-AR, prompted the House to draft its own housing legislation rather than approving a Senate package.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236178</guid>
      <pubDate>Thu, 18 Dec 2025 11:54:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236178-housing-bill-moves-in-house-differing-from-senate</link>
    </item>
    <item>
      <title>Housing Legislation Stalled in Congress Until 2026</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Senate-approved ROAD to Housing Act was dropped from a 2026 defense bill. However, House Republicans indicated that they’re working toward legislation to address housing affordability.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236113</guid>
      <pubDate>Thu, 11 Dec 2025 12:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236113-housing-legislation-stalled-in-congress-until-2026</link>
    </item>
    <item>
      <title>More Innovation Needed to Solve Affordability Issues</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Cross-industry coordination will be key to increasing housing affordability, according to industry participants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235621</guid>
      <pubDate>Thu, 16 Oct 2025 12:04:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235621-more-innovation-needed-to-solve-housing-affordability-crisis</link>
    </item>
    <item>
      <title>Pulte, Warren Conflict Over GSE Reforms Intensifies</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA Director Bill Pulte has repeatedly ignored requests for information from Sen. Elizabeth Warren, D-MA, preferring to communicate primarily through his personal X account.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235607</guid>
      <pubDate>Thu, 16 Oct 2025 12:03:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235607-pulte-warren-conflict-intensifies</link>
    </item>
    <item>
      <title>Grapevine: Senate Approves Housing Bill; Federal Layoffs Halted</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Senate passes the ROAD to Housing Act; layoffs at HUD, CDFI Fund halted; MBA’s annual conference missing some federal officials.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235620</guid>
      <pubDate>Thu, 16 Oct 2025 12:01:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235620-grapevine-senate-approves-housing-bill-major-federal-layoffs</link>
    </item>
    <item>
      <title>Congress to Work on Housing Legislation This Month</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Housing legislation with strong bipartisan support could move forward in the Senate as soon as this month.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235475</guid>
      <pubDate>Thu, 02 Oct 2025 11:47:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235475-congress-set-to-work-on-housing-legislation-in-october</link>
    </item>
    <item>
      <title>Trump Administration’s Plans for GSEs Remain Unclear</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration is ramping up discussions regarding reforms to the government-sponsored enterprises but it’s still not clear what the result will be. Whether Congress will take action is also an open question.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235360</guid>
      <pubDate>Thu, 18 Sep 2025 12:13:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235360-the-next-steps-in-gse-reform</link>
    </item>
    <item>
      <title>CFPB Expected to Be Constrained Under Trump</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration is reducing regulation of nonbank lenders, leaving the task to state regulators.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235069</guid>
      <pubDate>Thu, 14 Aug 2025 11:53:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235069-states-to-fill-void-amid-federal-deregulation-push</link>
    </item>
    <item>
      <title>Grapevine: Trigger Leads Bill Approved; FHA Nomination</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The bill is now headed to President Trump’s desk; Frank Cassidy nominated for FHA commissioner.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235008</guid>
      <pubDate>Thu, 07 Aug 2025 12:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235008-grapevine-congress-passes-trigger-leads-bill-cassidy-nominated-for-fha-commissioner</link>
    </item>
    <item>
      <title>Housing Legislation With Strong Support Moves in Senate</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association and other groups supported the wide-ranging bill which is aimed at housing affordability. MBA, though, raised some concerns about appraisal reforms included in the package.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234924</guid>
      <pubDate>Thu, 31 Jul 2025 12:08:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234924-housing-legislation-with-strong-support-moves-in-senate</link>
    </item>
    <item>
      <title>Grapevine: US Bank Sells Low-Rate Mortgages; Tariffs Taking a Toll</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[U.S. Bank sells mortgages originated by Union Bank; tariffs and interest rates; Mr. Cooper starts MSR fund; Congress plans to address housing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234877</guid>
      <pubDate>Thu, 24 Jul 2025 12:00:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234877-grapevine-us-bank-sells-low-rate-mortgages-tariffs-taking-a-toll</link>
    </item>
    <item>
      <title>Mortgage Industry Cheers Tax Breaks in Megabill</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The One Big Beautiful Bill included a plethora of tax breaks for individuals and businesses. The bill also sharply reduced the CFPB’s budget.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234738</guid>
      <pubDate>Thu, 10 Jul 2025 11:27:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234738-republicans-push-through-tax-breaks-cfpb-funding-cut</link>
    </item>
    <item>
      <title>Mortgage Industry Braces for Trigger Lead Ban</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[With Congress poised to limit trigger lead activity, lenders that rely on the leads will have to soon shift how they are conducting business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234749</guid>
      <pubDate>Thu, 10 Jul 2025 11:23:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234749-mortgage-industry-braces-for-trigger-lead-ban</link>
    </item>
    <item>
      <title>BPC Offers Requirements for GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Advocates for GSE reform offered the Trump administration some useful guardrails to consider as it plots ending the conservatorships of Fannie and Freddie.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234634</guid>
      <pubDate>Thu, 03 Jul 2025 12:55:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234634-requirements-for-gse-reform</link>
    </item>
    <item>
      <title>MBA Sees Many Positives in Senate’s Tax Bill</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association supports many of the housing-related provisions included in the bill proposed last week by Senate Republicans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234637</guid>
      <pubDate>Thu, 26 Jun 2025 12:04:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234637-mba-sees-many-positives-in-senates-tax-bill</link>
    </item>
    <item>
      <title>Lawmakers Want to Subsidize Home Renovations</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[There’s some bipartisan support in Congress to establish a tax credit for home renovations in an effort to improve the supply of homes for sale.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234638</guid>
      <pubDate>Thu, 26 Jun 2025 12:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234638-lawmakers-want-to-subsidize-renovations</link>
    </item>
    <item>
      <title>Grapevine: House Approves Trigger Leads Bill; Rate Outlook</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Bill to limit trigger leads passes in House; Fannie economists see higher interest rates; home prices decline in April; HUD on the move; FHFA directs GSEs to propose using cryptocurrency in calculations for mortgage applicant’s reserves.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234648</guid>
      <pubDate>Thu, 26 Jun 2025 12:00:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234648-grapevine-house-approves-trigger-leads-bill-interest-rate-outlook</link>
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