Inside the CFPB https://www.insidemortgagefinance.com/rss en-us Legal Defeats to CFPB Funding Argument Pile Up sclark@imfpubs.com An Oregon district court judge last month held that the combined earnings of the Federal Reserve refers to the central bank’s revenue before expenses are subtracted. http://www.insidemortgagefinance.com/articles/238719 Mon, 05 Oct 2026 14:36:56 -0400 https://www.insidemortgagefinance.com/articles/238719-third-district-court-orders-cfpb-to-fund-agency Several AI Frameworks Available for Mortgage Industry sclark@imfpubs.com MISMO’s mortgage-specific AI framework isn’t the only option the mortgage industry can use for governance. http://www.insidemortgagefinance.com/articles/238720 Mon, 05 Oct 2026 14:35:57 -0400 https://www.insidemortgagefinance.com/articles/238720-ai Court Rules Against EPM in Underwriter Overtime Lawsuit sclark@imfpubs.com The complaint, brought by a former underwriter, accuses Equity Prime Mortgage of misclassifying underwriters as exempt from overtime under the Fair Labor Standards Act. http://www.insidemortgagefinance.com/articles/238718 Mon, 05 Oct 2026 14:34:59 -0400 https://www.insidemortgagefinance.com/articles/238718-district-court-moves-equity-prime-mortgage-overtime-lawsuit-forward GAO Finds CFPB’s DOGE Compliance Controls Unclear sclark@imfpubs.com The GAO assessed the extent to which the CFPB implemented controls to ensure that employees of the now-defunct DOGE initiative would adhere to the bureau’s IT security rules. http://www.insidemortgagefinance.com/articles/238687 Mon, 05 Oct 2026 14:33:06 -0400 https://www.insidemortgagefinance.com/articles/238687-gao-finds-cfpb-doge State AGs Issue Antidiscrimination Guidance sclark@imfpubs.com The guidance reaffirms that civil rights laws allow state attorneys general to fight intentional and disparate-impact discrimination, despite actions taken by the Trump administration and federal agencies. http://www.insidemortgagefinance.com/articles/238652 Mon, 05 Oct 2026 14:32:09 -0400 https://www.insidemortgagefinance.com/articles/238652-state-ags-issue-joint-antidiscrimination-guidance Examiner Sues CFPB Over Race Discrimination sclark@imfpubs.com The bureau is accused of assigning materially less favorable, more complex, and travel-intensive work to Black examiners. http://www.insidemortgagefinance.com/articles/238680 Mon, 05 Oct 2026 14:31:11 -0400 https://www.insidemortgagefinance.com/articles/238680-cfpb-examiner New Mortgage Fraud Schemes Emerging sclark@imfpubs.com Seller impersonation and synthetic identity are increasing, according to industry experts. http://www.insidemortgagefinance.com/articles/238699 Mon, 05 Oct 2026 14:29:12 -0400 https://www.insidemortgagefinance.com/articles/238699-mortgage-fraud District Court Continues Chopra-Era CFPB Lawsuit sclark@imfpubs.com StratFS, a debt-relief company at the center of the complaint, allegedly operated a scheme that collected $84 million in illegal fees. http://www.insidemortgagefinance.com/articles/238665 Mon, 05 Oct 2026 14:18:25 -0400 https://www.insidemortgagefinance.com/articles/238665-district-court-continues-chopra-era-cfpb-lawsuit Other News in Brief sclark@imfpubs.com CSBS launches advisory council; District court rejects CashCall’s arguments to overturn $134 million in restitution owed to the CFPB. http://www.insidemortgagefinance.com/articles/238704 Mon, 05 Oct 2026 14:16:04 -0400 https://www.insidemortgagefinance.com/articles/238704-other-news-in-brief Johnson Nomination as CFPB Chief Moves to Senate Floor sclark@imfpubs.com Ahead of the vote, Sen. Elizabeth Warren, D-MA, ranking member of the banking committee, released Johnson’s responses to her Questions for the Record following his nomination hearing in July. http://www.insidemortgagefinance.com/articles/238572 Mon, 21 Sep 2026 14:52:04 -0400 https://www.insidemortgagefinance.com/articles/238572-senate-committee-advances-johnson-nomination Committee Advances CFPB Reform Bill to House Floor sclark@imfpubs.com The House Financial Services Committee also advanced a bill aimed at reforming the CFPB’s civil investigative demand process. http://www.insidemortgagefinance.com/articles/238588 Mon, 21 Sep 2026 14:51:06 -0400 https://www.insidemortgagefinance.com/articles/238588-house-committee-advances-cfpb-reform-act Rocket Faces Reversal on Foreclosure Ruling sclark@imfpubs.com An appeals court found that a FedEx service, which Rocket Mortgage used to serve its complaint and summons, failed to comply with civil rules governing service of process. http://www.insidemortgagefinance.com/articles/238525 Mon, 21 Sep 2026 14:50:07 -0400 https://www.insidemortgagefinance.com/articles/238525-appeals-court-continues-rocket-foreclosure-lawsuit Verification of Services Key for RESPA Payment Compliance sclark@imfpubs.com Industry experts offered a series of examples on the best ways to value and verify services prior to payment. http://www.insidemortgagefinance.com/articles/238591 Mon, 21 Sep 2026 14:43:11 -0400 https://www.insidemortgagefinance.com/articles/238591-respa Elevated State Enforcement Likely Long-Term sclark@imfpubs.com Lisa Rice, president and CEO of the National Fair Housing Alliance, said states’ approach to enforcement is expected “for the long haul.” http://www.insidemortgagefinance.com/articles/238566 Mon, 21 Sep 2026 14:40:13 -0400 https://www.insidemortgagefinance.com/articles/238566-nfha CSBS Launches AI Framework for State Examiners sclark@imfpubs.com The framework provides state examiners with a tool to identify and understand AI at financial entities, assess associated risks and determine when deeper review may be needed. http://www.insidemortgagefinance.com/articles/238553 Mon, 21 Sep 2026 14:39:25 -0400 https://www.insidemortgagefinance.com/articles/238553-csbs-launch-ai-supervisory-framework Policymakers Urged to Strengthen CFPB’s Base sclark@imfpubs.com Former CFPB officials said reform efforts are necessary, but that they should stabilize the bureau and create continuity in its mission, even when there are changes in leadership. http://www.insidemortgagefinance.com/articles/238541 Mon, 21 Sep 2026 14:37:27 -0400 https://www.insidemortgagefinance.com/articles/238541-cfpb-reform State Regulators Working to Combat Property Scams sclark@imfpubs.com Deed fraud, subject-to financing and rent-to-own properties are among some state regulators’ current concerns. http://www.insidemortgagefinance.com/articles/238592 Mon, 21 Sep 2026 14:35:27 -0400 https://www.insidemortgagefinance.com/articles/238592-state-regulators-tackling-property-scams Other News in Brief sclark@imfpubs.com CFPB revises its toolkit for prospective homebuyers; NCLC adds new board members. http://www.insidemortgagefinance.com/articles/238590 Mon, 21 Sep 2026 14:34:30 -0400 https://www.insidemortgagefinance.com/articles/238590-other-news-in-brief House Republicans Formally Introduce CFPB Reform Bill sclark@imfpubs.com The bill would place the CFPB under the regular appropriations process, limit its authority to define financial practices as abusive and take away its ability to seek monetary relief in certain circumstances. http://www.insidemortgagefinance.com/articles/238437 Tue, 08 Sep 2026 12:16:51 -0400 https://www.insidemortgagefinance.com/articles/238437-house-republicans-formally-introduce-cfpb-reform-bill Industry Backs Bill to Reform CFPB Governance, Funding sclark@imfpubs.com While industry trade groups expressed support for the proposed changes, consumer advocates said the bill was yet another effort by the Trump administration toward deregulation. http://www.insidemortgagefinance.com/articles/238468 Tue, 08 Sep 2026 12:15:55 -0400 https://www.insidemortgagefinance.com/articles/238468-trade-groups-back-cfpb-reform-act IG Finds CFPB Still Reeling From Workforce Disruptions sclark@imfpubs.com The OIG found that stop-work orders resulted in CFPB personnel temporarily not performing work on enforcement and supervision, while workforce-reduction actions had limited impact on operations. http://www.insidemortgagefinance.com/articles/238435 Tue, 08 Sep 2026 12:12:56 -0400 https://www.insidemortgagefinance.com/articles/238435-vought-led-workforce-changes-upset-cfpb-operations CFPB Contract Terminations Impacted Statutory Operations sclark@imfpubs.com The OIG said the termination of contracts as part of cost-cutting efforts impacted the CFPB’s consumer complaint database, research, monitoring and regulations division and office of financial education. http://www.insidemortgagefinance.com/articles/238456 Tue, 08 Sep 2026 12:11:58 -0400 https://www.insidemortgagefinance.com/articles/238456-cfpb-contract-terminations-impacted-statutory-operations Lenders Face Allegations of RESPA Violations sclark@imfpubs.com Zillow, Veterans United Home Loans, Veterans United Realty and Bright Financial Group are facing allegations of RESPA violations. http://www.insidemortgagefinance.com/articles/238467 Tue, 08 Sep 2026 12:09:00 -0400 https://www.insidemortgagefinance.com/articles/238467-states-cracking-down-on-respa-violations Academy Mortgage Reaches $2M Data Breach Settlement sclark@imfpubs.com The settlement will resolve a class action stemming from a March 2023 data breach. California also recently fined Academy $825,000 for the same incident. http://www.insidemortgagefinance.com/articles/238426 Tue, 08 Sep 2026 12:06:02 -0400 https://www.insidemortgagefinance.com/articles/238426-academy-mortgage-to-pay-2m-in-data-breach-settlement Protect Borrowers Urges States to Expand Supervision sclark@imfpubs.com The consumer advocacy group wants state financial regulators to create dedicated offices of supervision policy to fill gaps in federal oversight. http://www.insidemortgagefinance.com/articles/238447 Tue, 08 Sep 2026 12:02:18 -0400 https://www.insidemortgagefinance.com/articles/238447-states-pressed-to-establish-supervision-policy-offices Federal Agencies Rescind 2022 SPCP Guidance sclark@imfpubs.com The rescission follows the CFPB’s recently finalized amendments to Regulation B, and the withdrawal of other federal guidance on special purpose credit programs. http://www.insidemortgagefinance.com/articles/238422 Tue, 08 Sep 2026 12:01:20 -0400 https://www.insidemortgagefinance.com/articles/238422-federal-agencies-rescind-2022-spcp-guidance Other News in Brief sclark@imfpubs.com Better Markets hires former CFPB senior counsel; CFPB gets more time on funding argument; CashCall seeks order for CFPB records. http://www.insidemortgagefinance.com/articles/238458 Tue, 08 Sep 2026 12:00:22 -0400 https://www.insidemortgagefinance.com/articles/238458-other-news-in-brief Johnson’s Past Remarks Offer Insight on His Priorities for CFPB sclark@imfpubs.com Brian Johnson, CFPB director nominee, over the years has criticized the CFPB’s enforcement of RESPA, among other issues. http://www.insidemortgagefinance.com/articles/238351 Mon, 24 Aug 2026 15:05:02 -0400 https://www.insidemortgagefinance.com/articles/238351-johnsons-past-remarks-offer-insight-on-his-priorities-for-cfpb Consumer Groups, Industry Concerned About TRID Changes sclark@imfpubs.com Mortgage trade groups and consumer advocates said the bureau must carefully consider the impact on industry and consumers if it pursues changes to the TILA-Integrated Disclosure rule. http://www.insidemortgagefinance.com/articles/238335 Mon, 24 Aug 2026 15:04:03 -0400 https://www.insidemortgagefinance.com/articles/238335-consumer-groups-industry-concerned-about-trid-changes Lenders Face Conflicting Compliance Burdens on Disparate Impact sclark@imfpubs.com As federal regulators retreat from disparate-impact liability, some states are ramping up their enforcement, leaving lenders with conflicting requirements. http://www.insidemortgagefinance.com/articles/238333 Mon, 24 Aug 2026 15:03:22 -0400 https://www.insidemortgagefinance.com/articles/238333-lenders-face-split-views