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    <title>Legal Actions</title>
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    <item>
      <title>Timing for Recap and Release of GSEs Remains Unclear</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration continues to tease a 2025 capital raise for the GSEs but industry experts remain skeptical this can be done in a safe, sound manner.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235810</guid>
      <pubDate>Thu, 06 Nov 2025 12:10:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235810-recapping-recap-and-release</link>
    </item>
    <item>
      <title>loanDepot Sues Broker Shop for Trade Theft, Poaching</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[loanDepot has accused West Capital Lending of stealing its leads, misclassifying loan originators and tying LO compensation to loan revenue.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235665</guid>
      <pubDate>Thu, 23 Oct 2025 12:25:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235665-loandepot-sues-west-capital-lending-over-fraud-allegations</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>District Court Drops RICO Claims in Lawsuit Against UWM</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Many charges in a class action against UWM were dismissed, but some Real Estate Settlement Procedures Act claims will move forward.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235557</guid>
      <pubDate>Thu, 09 Oct 2025 12:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235557-district-court-drops-uwm-rico-charges-some-respa-remain</link>
    </item>
    <item>
      <title>One More Court Finds NBA Doesn’t Preempt Certain State Laws</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Relying on the Supreme Court’s direction to apply a “nuanced comparative analysis” for determining federal preemption, some lower courts are finding that the National Bank Act doesn’t preempt state laws.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235558</guid>
      <pubDate>Thu, 09 Oct 2025 12:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235558-court-rule-nba-doesnt-preempt-state-laws</link>
    </item>
    <item>
      <title>MBA Backs Subservicer in Prepayment Lawsuit Appeal</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A district court had ruled in favor of the subservicer, noting that the borrower lawsuit was “no more than a billing dispute.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235301</guid>
      <pubDate>Thu, 11 Sep 2025 12:38:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235301-mba-asks-appeals-court-to</link>
    </item>
    <item>
      <title>Critics Question Propriety of FHFA’s Fraud Allegations</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Housing Finance Agency, under the leadership of Bill Pulte, has made at least three criminal referrals to the DOJ about mortgage fraud, involving two Democrats.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235241</guid>
      <pubDate>Thu, 04 Sep 2025 12:32:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235241-critics-question-propriety-of-fhfas-fraud-allegations</link>
    </item>
    <item>
      <title>Fed Governor Accused of Mortgage Fraud Won’t Resign</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Federal Reserve Governor Lisa Cook, in a lawsuit challenging her termination by Trump, argued that the president’s action would shatter the independence provided to the Fed.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235239</guid>
      <pubDate>Thu, 04 Sep 2025 12:29:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235239-mortgage-fraud-claim-prompts-uncertainty-for-the-fed</link>
    </item>
    <item>
      <title>Appeals Court Lifts Block on Mass Firings at CFPB</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Even though an appeals court lifted the block preventing mass layoffs at the CFPB, a drastic reduction-in-force may not happen immediately, attorneys said.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235134</guid>
      <pubDate>Thu, 21 Aug 2025 12:02:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235134-appeals-court-removes-injunction-preventing-cfpb-firings</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>District Court Orders HUD to Administer Fair Housing Program Funds</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A district court ordered HUD to develop a plan to disburse Fair Housing Initiatives Program grants before the funding lapses on Sept. 30.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234928</guid>
      <pubDate>Thu, 31 Jul 2025 12:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234928-district-court-grants-tro</link>
    </item>
    <item>
      <title>Wells Fargo, loanDepot Hit With Class-Action Lawsuits</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Wells Fargo has been accused of charging borrowers improper mortgage fees during the origination process, while loanDepot is alleged to have violated the Truth in Lending Act’s loan originator compensation rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234875</guid>
      <pubDate>Thu, 24 Jul 2025 12:04:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234875-wells-fargo-loandepot-hit-with-class-action-complaints</link>
    </item>
    <item>
      <title>CFPB Suffers Blow in Its Bid to Vacate Townstone Settlement</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The court’s decision may give the CFPB “some pause” as to how it approaches other reversals, according to industry attorneys.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234579</guid>
      <pubDate>Fri, 20 Jun 2025 09:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234579-court</link>
    </item>
    <item>
      <title>Federal Judge Blocks Reduction-in-Force at CFPB</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration is prohibited from firing more than 1,400 employees at the consumer agency, for now. The next hearing on the case is set for April 29.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234066</guid>
      <pubDate>Thu, 24 Apr 2025 12:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234066-federal-court-holds-off-trump-admins-cfpb-firings</link>
    </item>
    <item>
      <title>Federal Judge Blocks Trump From Dismantling CFPB</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Judge Amy Berman Jackson said the evidence in the lawsuit makes it clear that the Trump administration has no intent of operating the CFPB at all.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233889</guid>
      <pubDate>Thu, 03 Apr 2025 12:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233889-cfpb-protected-after-judge-issues-preliminary-injunction-in-nteu-lawsuit</link>
    </item>
    <item>
      <title>CFPB Moves to Refund Townstone’s Settlement</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The move could set a dangerous precedent, according to Adam Rust, director of financial services at the Consumer Federation of America.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233893</guid>
      <pubDate>Thu, 03 Apr 2025 12:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233893-cfpb-shifts-course-by-moving-to-reverse-townstones-settlement</link>
    </item>
    <item>
      <title>Court Halts Firing of Federal Workers, But Not Nationwide</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The preliminary injunction only applies to workers who live or work in Washington, DC, and the 19 states that sued the Trump administration over the mass layoffs of probationary employees at 18 federal agencies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233902</guid>
      <pubDate>Thu, 03 Apr 2025 12:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233902-court-orders-trump-administration-to-reinstate-some-federal-employees</link>
    </item>
    <item>
      <title>Court Extends Temporary Order Blocking Federal Layoffs</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A federal court judge this week extended a temporary order pausing mass layoffs at federal agencies, including at the CFPB and HUD, by five days.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233832</guid>
      <pubDate>Thu, 27 Mar 2025 12:09:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233832-court-likely-to-extend-order-halting-federal-layoffs</link>
    </item>
    <item>
      <title>Lenders Likely to See More Lawsuits by Borrowers</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Several consumer protection statutes provide borrowers a private right of action, including the Truth in Lending Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233820</guid>
      <pubDate>Thu, 27 Mar 2025 12:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233820-borrowers-likely-to-take-more-action-against-lenders</link>
    </item>
    <item>
      <title>CFPB, HUD Employees Reinstated Then Placed on Leave</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Following a court ruling last week, the CFPB and HUD reinstated hundreds of probationary employees fired by the Trump administration. However, the employees were immediately placed on administrative leave.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233767</guid>
      <pubDate>Thu, 20 Mar 2025 12:38:53 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233767-court-order-halts-federal-layoffs-uncertainty-persists</link>
    </item>
    <item>
      <title>PE Servicer Marlin Mortgage Sued, Calls Charges ‘Baseless’</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[A few months back, Marlin Mortgage parted ways with COO Steve Stone. Now, describing himself as a whistleblower, Stone is suing the MSR owner, accusing the firm of a host of questionable moves.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233770</guid>
      <pubDate>Thu, 20 Mar 2025 12:32:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233770-pe-servicer-sued-calls-charges-baseless</link>
    </item>
    <item>
      <title>California Provisionally Approves 22% Insurance Rate Hike</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[At a public hearing next month, State Farm will have to justify its request to raise home insurance premiums by 22%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233758</guid>
      <pubDate>Thu, 20 Mar 2025 12:31:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233758-california-sets-conditions-for-purposed-state-farm-insurance-rate-hike</link>
    </item>
    <item>
      <title>Trump’s War on DEI May Cause Issues for SPCPs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Regulators and lenders will have to figure out how to comply with non-discrimination laws without resorting to the use of DEI.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233422</guid>
      <pubDate>Thu, 13 Feb 2025 13:06:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233422-dei-and-spcps-in-the-trump-era</link>
    </item>
    <item>
      <title>Cyberattacks Putting Pressure on Mortgage Companies</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Cyberattacks against mortgage companies are a growing concern. Insurance can cover some of the financial losses, but premiums are spiraling out of control, some executives report.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233385</guid>
      <pubDate>Thu, 06 Feb 2025 12:20:48 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233385-insurance-to-cover-cyberattacks-good-luck-with-that</link>
    </item>
    <item>
      <title>Trump-Led Shake-Up of Federal Agencies Dragging</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration’s failure to name acting directors for key federal agencies leaves them either under the control of Biden appointees or without a presidentially appointed leader.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233301</guid>
      <pubDate>Wed, 29 Jan 2025 12:11:57 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233301-whos-in-charge-of-housing-finance</link>
    </item>
    <item>
      <title>CFPB Sues Vanderbilt Mortgage Over Risky Loans</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The manufactured home builder allegedly made loans for borrowers while knowing they could not afford to pay back the loan.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233120</guid>
      <pubDate>Thu, 09 Jan 2025 11:56:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233120-cfpb-files-atr-lawsuit-against-vanderbilt-mortgage-and-finance</link>
    </item>
    <item>
      <title>Grapevine: Leadership Shakeup at Fed; States, NAHB Sue HUD</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Michael Barr to step down as Fed vice chair for supervision; fifteen states and the National Association of Home Builders sue HUD over energy-efficiency requirements; Ally to exit origination business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233119</guid>
      <pubDate>Thu, 09 Jan 2025 11:50:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233119-grapevine-regulatory-shakeup-at-fed-state-nahb-lawsuit-against-hud</link>
    </item>
    <item>
      <title>CFPB Sues Rocket Homes Over Kickback Scheme</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The lawsuit accuses Rocket Homes of steering customers to its affiliated companies for mortgage loans and closing services.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233057</guid>
      <pubDate>Thu, 02 Jan 2025 11:55:33 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233057-cfpb-files-kickback-scheme-lawsuit-against-rocket-homes</link>
    </item>
    <item>
      <title>Rocket Sues HUD After DOJ Accuses Lender of Appraisal Bias</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The lender contended that recent HUD guidance on appraisal reviews is contradictory to government mandates of appraiser independence.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232903</guid>
      <pubDate>Thu, 12 Dec 2024 11:53:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232903-rocket-sues-hud-seeks-dismissal-from-doj-appraisal-bias-lawsuit</link>
    </item>
    <item>
      <title>Townstone Settlement Leaves Redlining Issues Unsettled</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB’s settlement with Townstone included a relatively small fine for the lender and dropped allegations against the CEO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232592</guid>
      <pubDate>Thu, 07 Nov 2024 11:58:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232592-townstone-settlement-leaves-redlining-issues-unsettled</link>
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