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    <title>Legislation</title>
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    <item>
      <title>MBA Opposes Appraisal Modernization in Senate Bill</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The trade group said the Appraisal Modernization Act would limit lenders’ ability to help consumers during changing market conditions and create legal and operational issues for mortgage lenders.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234951</guid>
      <pubDate>Mon, 04 Aug 2025 13:21:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234951-mba-opposes-appraisal-modernization-in-senate-bill</link>
    </item>
    <item>
      <title>House Republicans Introduce Slew of CFPB-Focused Bills</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bills seek to scale back activities at the CFPB, including proposals aimed at Section 1071 small business lending data collection.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234812</guid>
      <pubDate>Mon, 21 Jul 2025 16:40:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234812-house-republicans-look-to-vastly-reform-cfpb</link>
    </item>
    <item>
      <title>Trump Signs Bill Cutting CFPB’s Funding Mechanism</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[After a setback, Senate Republicans successfully approved a measure to cut the CFPB’s funding.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234688</guid>
      <pubDate>Mon, 07 Jul 2025 13:12:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234688-republicans-propose-reduced-cut-to-cfpb-fed-funding</link>
    </item>
    <item>
      <title>House Republicans Back Bill to Slash CFPB Budget</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[If passed by the full House and Senate, the CFPB would only have around 30% of its current funding availability.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234192</guid>
      <pubDate>Mon, 12 May 2025 14:23:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234192-house-republicans-back-bill-to-slash-cfpb-budget</link>
    </item>
    <item>
      <title>CFPB Plans to Propose New Rule on Section 1071 Data</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Following years of legal action that have stalled the implementation of the bureau’s original Section 1071 rule, the CFPB announced that it will roll out a new version of the rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233975</guid>
      <pubDate>Mon, 14 Apr 2025 14:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233975-cfpb-to-release-new-section-1071-rule</link>
    </item>
    <item>
      <title>House Republicans Push Bills to Reform CFPB</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A series of bills proposed by Republicans in Congress would dramatically change how the CFPB operates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233873</guid>
      <pubDate>Mon, 31 Mar 2025 15:10:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233873-house-republicans-push-forth-legislation-to-reform-the-cfpb</link>
    </item>
    <item>
      <title>House Republicans Move to Toss Out CFPB Overdraft Rule</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The House Financial Services Committee voted 30-19 to pass a Congressional Review Act resolution to reverse a CFPB final rule that will limit overdraft fees charged by large banks and credit unions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233652</guid>
      <pubDate>Mon, 17 Mar 2025 14:26:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233652-house-republicans-pass-resolution-forward-to-repeal-cfpb-overdraft-rule</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[CFPB issues advisory opinions on background checks, credit file disclosures requested by consumers; banks critical of advisory opinion on information requests; banks look to slow overdraft rulemaking; new servicing requirements in California; Senate fails to override veto of bill that would halt Section 1071 data collection.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229919</guid>
      <pubDate>Tue, 16 Jan 2024 10:50:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229919-other-news-in-brief</link>
    </item>
    <item>
      <title>Lenders Support Senate Bill to Limit Trigger Leads</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Housing industry trade groups are getting behind bipartisan legislation in the Senate which would prohibit consumer reporting companies from selling consumers’ contact information when they apply for a mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229748</guid>
      <pubDate>Thu, 21 Dec 2023 13:33:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229748-senate-trigger-leads-bill-garners-trade-groups-attention</link>
    </item>
    <item>
      <title>More Than Half of States Now Permit Remote Work for MLOs</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Some 30 jurisdictions across states and territories now have a law or regulation permitting mortgage loan originators to work remotely.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229414</guid>
      <pubDate>Fri, 10 Nov 2023 12:38:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229414-over-half-of-states-now-permit-remote-work-for-mlos</link>
    </item>
    <item>
      <title>Court Halts Implementation of Data Collection Rule</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A Texas district court expanded its injunction against the CFPB’s small-business lending data collection requirements. Meanwhile, the Senate voted to overturn the rule though President Biden threatened a veto.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229300</guid>
      <pubDate>Mon, 30 Oct 2023 12:15:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229300-court-halts-implementation-of-data-collection-rule</link>
    </item>
    <item>
      <title>Friend-of-the-Court Briefs Argue Against CFPB</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Most of the recent amicus briefs filed in a case challenging the CFPB’s funding structure urged SCOTUS to affirm a Fifth Circuit ruling on the matter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228341</guid>
      <pubDate>Mon, 24 Jul 2023 15:57:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228341-amicus-briefs-push-for-different-cfpb-funding-solutions</link>
    </item>
    <item>
      <title>Attorneys Warn Real Estate Agents of CFPA Prohibitions</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Recent CFPB guidance on the prohibition of abusive practices could pose risks to real estate agents engaging in joint ventures with lenders and title companies, according to attorneys at McGuire Woods.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228408</guid>
      <pubDate>Mon, 24 Jul 2023 15:49:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228408-lawyers-disagree-over-abusiveness-authoritys-real-estate-agent-coverage</link>
    </item>
    <item>
      <title>House Republicans Seek Extensive Overhaul of CFPB</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Eight Republican-sponsored pieces of legislation were attached to a recent hearing on CFPB reforms, including one that would convert the bureau’s leadership structure into a five-member commission.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227297</guid>
      <pubDate>Mon, 20 Mar 2023 15:17:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227297-republicans-relishing-oversight-opportunity-suggest-cfpb-overhaul</link>
    </item>
    <item>
      <title>NY Law Limits Timeframe to Complete Foreclosures</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The New York Foreclosure Abuse Prevention Act reverses a court ruling that said the voluntary discontinuance of a foreclosure revoked the acceleration of a mortgage loan and its six-year statute of limitations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226675</guid>
      <pubDate>Mon, 09 Jan 2023 14:21:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226675-lenders-cant-restart-foreclosure-statute-of-limitations-under-new-ny-law</link>
    </item>
    <item>
      <title>Republicans Challenge Chopra Over CFPB's 'Lack of Transparency'</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[CFPB Director Rohit Chopra’s semi-annual reports to Congress last week offered only a few snippets of policy news but featured much verbal sparring with Republicans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226541</guid>
      <pubDate>Mon, 19 Dec 2022 15:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226541-chopra</link>
    </item>
    <item>
      <title>CFPB, NY AG File Lawsuit Against MoneyGram</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The charges against MoneyGram, a remittance provider, include failure to deliver funds promptly to recipients abroad.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224385</guid>
      <pubDate>Mon, 25 Apr 2022 14:39:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224385-cfpb-ny-ag-allege-moneygram-didnt-timely-fulfill-transfers</link>
    </item>
    <item>
      <title>Waters’ Draft Bill Takes a Stab at Appraisal Reform </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The “discussion draft” from Rep. Maxine Waters, D-CA, seeks to establish a federal valuation agency, which would take over The Appraisal Foundation’s role in setting valuation standards and appraiser criteria.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224211</guid>
      <pubDate>Mon, 11 Apr 2022 13:47:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224211-waters-proposes-new-appraisals-agency-regulations</link>
    </item>
    <item>
      <title>Bill in Senate Takes Aim at Mandatory Arbitration</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bill would render pre-dispute arbitration agreements and class-action waivers relating to consumer financial products and services invalid and unenforceable.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224031</guid>
      <pubDate>Mon, 14 Mar 2022 15:13:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224031-brown-introduces-bill-to-invalidate-mandatory-arbitration-in-consumer-finance</link>
    </item>
    <item>
      <title>Judge Sides with BofA in Discriminatory Lending Case</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Illinois District Court Judge Elaine Bucklo found that the plaintiff had no evidence that Bank of America had engaged in an equity-stripping scheme, much less one that targeted minority borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223869</guid>
      <pubDate>Mon, 28 Feb 2022 14:19:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223869-judge-sides-with-bank-of-america-in-long-running-discriminatory-lending-case</link>
    </item>
    <item>
      <title>The CFPB in Charge of Bank Mergers? A Bill Appears…</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Should the CFPB have a say in bank M&As? Bankers will tell you no, but a new bill introduced on Capitol Hill opens up such a possibility.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222660</guid>
      <pubDate>Mon, 11 Oct 2021 16:22:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222660-ther-cfpb-in-charge-of-bank-mergers-a-bill-appears</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Senate bill seeks to reward whistleblowers; CFPB examines complaints based on census tracts; new members appointed to CFPB advisory boards and councils.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222545</guid>
      <pubDate>Mon, 27 Sep 2021 14:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222545-other-news-in-brief</link>
    </item>
    <item>
      <title>Texas Court Paves the Way for Payday Lending Rule</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The payment provisions under the payday lending rule will become effective June 13, 2022. Attorneys suggest lenders with products covered under the small dollar rule begin revising policies and procedures.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222431</guid>
      <pubDate>Mon, 13 Sep 2021 15:26:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222431-texas-court-paves-the-way-for-payday-lending-rule</link>
    </item>
    <item>
      <title>Consumer First Case Provides Guideposts for CFPB Remedies</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[A more “nuanced approach to penalty calculation” by an appeals court will have important ramifications for both litigated cases and settlements in which the CFPB seeks the maximum applicable penalty amount, according to Mayer Brown attorney Ori Lev.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222325</guid>
      <pubDate>Mon, 30 Aug 2021 16:30:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222325-consumer-first-case-provides-guideposts-for-cfpb-remedies</link>
    </item>
    <item>
      <title>Ninth Circuit Questions Seila Law’s Efforts to Quash CID</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[One of Seila Law’s arguments was that the CID cannot be ratified because the applicable three-year statute of limitations had expired. The court, however, said the time bar only applies to lawsuits. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219831</guid>
      <pubDate>Mon, 23 Nov 2020 13:30:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219831-ninth-circuit-reluctant-to-start-over-cfpb-enforcement</link>
    </item>
    <item>
      <title>Industry Against Halting of Negative Credit Reporting</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[While Republicans and Democrats continue to bicker over a second COVID relief package, industry groups warned that further halting of negative credit reporting may be disruptive to the market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218897</guid>
      <pubDate>Mon, 17 Aug 2020 15:40:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218897-do-not-halt-negative-credit-reporting-says-industry</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[California’s plan to create a state-level CFPB back on the table; NCLC calls for prohibition of collection of all time-barred debts; Mr. Cooper nears settlement with the CFPB.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218923</guid>
      <pubDate>Mon, 17 Aug 2020 15:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218923-other-news-in-brief</link>
    </item>
    <item>
      <title>HFSC Hearing Focuses on Monitoring of Servicers</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[According to witnesses testifying at a House hearing, the CFPB appears to be offering regulatory leeway to mortgage servicers but doing little to protect consumers’ interests.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218664</guid>
      <pubDate>Mon, 20 Jul 2020 13:50:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218664-hfsc-hearing-cfpb-should-step-up-servicer-monitoring</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB files lawsuit against companies providing student loan debt relief services; the CFPB encourages stakeholders to use its innovation programs to address regulatory uncertainties.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218666</guid>
      <pubDate>Mon, 20 Jul 2020 13:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218666-other-news-in-brief</link>
    </item>
    <item>
      <title>Republicans Introduce Bill to Change CFPB Structure</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[The legislation is aimed at replacing the CFPB’s single director with a five-member bipartisan commission. Meanwhile, the Supreme Court is close to ruling on the constitutionality of the CFPB.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218399</guid>
      <pubDate>Mon, 22 Jun 2020 14:45:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218399-senate-republicans-renew-efforts-to-change-cfpb-structure</link>
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