https://www.insidemortgagefinance.com/rss en-us jdohnert@imfpubs.com New technologies and poor data management have caused an increase in legal challenges for mortgage originators. http://www.insidemortgagefinance.com/articles/237854 Mon, 29 Jun 2026 11:58:57 -0400 https://www.insidemortgagefinance.com/articles/237854-consumer-litigation-on-the-rise-for-non-qm-lenders sclark@imfpubs.com The bureau said the guidance conflicted with the amended ECOA Regulation B rule, which among other changes sets strict conditions for lenders to be able to offer special purpose credit programs. http://www.insidemortgagefinance.com/articles/237816 Mon, 29 Jun 2026 11:56:01 -0400 https://www.insidemortgagefinance.com/articles/237816-cfpb-rescinds-2020-guidance-on-special-purpose-credit-programs sclark@imfpubs.com The act directs the CFPB to conduct studies on the impact of points and fee thresholds and LO compensation on small-dollar loans. http://www.insidemortgagefinance.com/articles/237866 Mon, 29 Jun 2026 11:54:05 -0400 https://www.insidemortgagefinance.com/articles/237866-road sclark@imfpubs.com Josh Silver, a senior fellow at the National Community Reinvestment Coalition, said more sophisticated data software now available should allow lenders to facilitate data collection. http://www.insidemortgagefinance.com/articles/237819 Mon, 29 Jun 2026 11:52:07 -0400 https://www.insidemortgagefinance.com/articles/237819-ncrc-calls-out-cfpb-section-1071-rule sclark@imfpubs.com A California district court dismissed certain claims under the Comprehensive Computer Data Access and Fraud Act, finding that the plaintiff lacked standing. http://www.insidemortgagefinance.com/articles/237868 Mon, 29 Jun 2026 11:51:10 -0400 https://www.insidemortgagefinance.com/articles/237868-lender-granted-some-leeway-in-website-tracking-lawsuit sclark@imfpubs.com The trade group said a federal AI regulatory framework is needed to avoid a patchwork of costly, confusing and potentially contradictory compliance obligations. http://www.insidemortgagefinance.com/articles/237737 Mon, 15 Jun 2026 12:06:00 -0400 https://www.insidemortgagefinance.com/articles/237737-mba-renews-call-for-federal-ai-framework sclark@imfpubs.com Under certain circumstances, the bureau said lenders may be obligated to consider immigration status when conducting ability-to-repay determinations. http://www.insidemortgagefinance.com/articles/237713 Mon, 15 Jun 2026 12:05:00 -0400 https://www.insidemortgagefinance.com/articles/237713-cfpb-says-lenders-can-consider-immigration-status-in-atr sclark@imfpubs.com Three states have enacted legislation to prohibit denials of divorce- triggered mortgage assumptions. Similar statutes are likely to follow in other states. http://www.insidemortgagefinance.com/articles/237716 Mon, 15 Jun 2026 12:04:00 -0400 https://www.insidemortgagefinance.com/articles/237716-states-block-denials-on-divorce-triggered-mortgage-assumptions sclark@imfpubs.com With the CFPB reportedly revisiting its 2024 proposed Regulation X servicing rule, the American Bankers Association reminded the bureau of several revisions it should consider. http://www.insidemortgagefinance.com/articles/237693 Mon, 15 Jun 2026 12:03:00 -0400 https://www.insidemortgagefinance.com/articles/237693-aba-renews sclark@imfpubs.com Mortgage borrowers urged the high court to weigh in on federal preemption, once again, saying a circuit court split involving interest payments on funds in mortgage escrow accounts heightens the stakes. http://www.insidemortgagefinance.com/articles/237746 Mon, 15 Jun 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237746-scotus-urged-to-revisit-federal-preemption sclark@imfpubs.com Illinois-based X-PERT Mortgage and its president had their mortgage licenses taken away by the state for allegedly hiring an unlicensed loan officer. http://www.insidemortgagefinance.com/articles/237580 Mon, 01 Jun 2026 11:05:00 -0400 https://www.insidemortgagefinance.com/articles/237580-illinois-pulls-lending-licenses-over-fraud-issues sclark@imfpubs.com Pending changes to disparate-impact liability enforcement will have a big effect on some industries, such as indirect auto finance, but the mortgage industry will likely be spared. http://www.insidemortgagefinance.com/articles/237594 Mon, 01 Jun 2026 11:02:00 -0400 https://www.insidemortgagefinance.com/articles/237594-cfpb-ecoa-rule-to-make-widespread-impact sclark@imfpubs.com Matt Tully, chief compliance and customer success officer at Sagent, said the mortgage industry wants Reg. X updates to reflect experiences over the last decade. http://www.insidemortgagefinance.com/articles/237620 Fri, 29 May 2026 11:08:15 -0400 https://www.insidemortgagefinance.com/articles/237620-cfpb-pushed-to-prioritize-updates-to-reg-x sclark@imfpubs.com The changes are part of the Conference of State Bank Supervisors’ ongoing efforts to improve the NMLS user experience and respond to user feedback. http://www.insidemortgagefinance.com/articles/237450 Mon, 18 May 2026 15:24:43 -0400 https://www.insidemortgagefinance.com/articles/237450-csbs-makes-major-updates-to-nmls sclark@imfpubs.com The new standards for fair lending enforcement are set to take effect in July. Industry attorneys have warned that the changes to ECOA regulations don’t signal the end of fair lending risk for lenders. http://www.insidemortgagefinance.com/articles/237340 Mon, 04 May 2026 15:09:31 -0400 https://www.insidemortgagefinance.com/articles/237340-fair-lending-still-alive-under-cfpb-ecoa-rule sclark@imfpubs.com The final rule raises loan origination thresholds and excludes certain financial entities from its reporting requirements. Compliance with the rule will begin in 2028. http://www.insidemortgagefinance.com/articles/237364 Mon, 04 May 2026 15:08:14 -0400 https://www.insidemortgagefinance.com/articles/237364-cfpb-release-narrowed-section-1071-final-rule sclark@imfpubs.com The bill would require consumers to attest “under penalty of perjury” that their submitted complaints to the CFPB are true. http://www.insidemortgagefinance.com/articles/237354 Mon, 04 May 2026 15:06:40 -0400 https://www.insidemortgagefinance.com/articles/237354-house-bill-seeks sclark@imfpubs.com There will be detrimental consequences for borrowers and mortgage investors if the CFPB goes through with changes suggested by President Trump, according to a recent analysis. http://www.insidemortgagefinance.com/articles/237371 Mon, 04 May 2026 15:04:29 -0400 https://www.insidemortgagefinance.com/articles/237371-trump sclark@imfpubs.com With the Trump administration working under CRA requirements set in 1995, fair housing advocates asked states to step up and implement their own CRA laws. http://www.insidemortgagefinance.com/articles/237230 Mon, 20 Apr 2026 15:30:19 -0400 https://www.insidemortgagefinance.com/articles/237230-states-asked-to-hone-in-on-cra-implementation sclark@imfpubs.com A California district court upheld a plaintiff’s California Consumer Privacy Act claim against PHH Mortgage for sharing his personal information without his consent. http://www.insidemortgagefinance.com/articles/237226 Mon, 20 Apr 2026 15:27:25 -0400 https://www.insidemortgagefinance.com/articles/237226-district-court-ruling-could-signal-more-ccpa-litigation sclark@imfpubs.com A senior official at NYDFS said the state regulator isn’t trying to fit buy now, pay later loans into an outdated regulatory box, but is trying to ensure the framework reflects the product as it actually exists today. http://www.insidemortgagefinance.com/articles/237124 Mon, 06 Apr 2026 11:10:00 -0400 https://www.insidemortgagefinance.com/articles/237124-nydfs-moves-closer sclark@imfpubs.com A new executive order from President Trump aimed at increasing access to mortgage credit calls for changes to several of the CFPB’s mortgage rules and regulations. http://www.insidemortgagefinance.com/articles/236981 Mon, 23 Mar 2026 16:16:34 -0400 https://www.insidemortgagefinance.com/articles/236981-trump-eo-directs-cfpb-to-implement-mortgage-reform sclark@imfpubs.com Sheila Oliver, deputy commissioner at the California Department of Financial Protection and Innovation, advised mortgage companies to have strong monitoring systems to verify per diem interest after loan closing and detect any adverse events impacting their systems. http://www.insidemortgagefinance.com/articles/236995 Mon, 23 Mar 2026 16:11:41 -0400 https://www.insidemortgagefinance.com/articles/236995-compli sclark@imfpubs.com If enacted as proposed, the rule would impose substantial regulatory requirements onto buy now, pay later providers. http://www.insidemortgagefinance.com/articles/236864 Mon, 09 Mar 2026 13:06:36 -0400 https://www.insidemortgagefinance.com/articles/236864-ny-proposes-sweeping-bnpl-regulations sclark@imfpubs.com The regulator said the Fair Housing Home Loan Data System regulation was obsolete and largely duplicative of and inconsistent with other data collection regimes. http://www.insidemortgagefinance.com/articles/236822 Mon, 09 Mar 2026 13:04:40 -0400 https://www.insidemortgagefinance.com/articles/236822-occ-finalizes sclark@imfpubs.com Consumer advocates called on HUD to withdraw the proposal, noting that if finalized, it would undermine the agency’s enforcement of the Fair Housing Act’s protections against unlawful discrimination. http://www.insidemortgagefinance.com/articles/236726 Mon, 23 Feb 2026 16:10:42 -0500 https://www.insidemortgagefinance.com/articles/236726-consumer-advocates-reject-hud-discrimantory-effects-proposal sclark@imfpubs.com The Foundation Against Intolerance and Racism claimed that a Washington state special purpose credit program violated a clause of the 14th Amendment by using race-based criteria for eligibility. http://www.insidemortgagefinance.com/articles/236709 Mon, 23 Feb 2026 16:06:50 -0500 https://www.insidemortgagefinance.com/articles/236709-district-court-upholds-washington-spcp sclark@imfpubs.com Before submitting a complaint against a credit reporting agency about inaccurate or incomplete information, borrowers will have to first dispute the information directly with the credit or consumer reporting agency. http://www.insidemortgagefinance.com/articles/236554 Mon, 09 Feb 2026 16:23:21 -0500 https://www.insidemortgagefinance.com/articles/236554-cfpb-weighs-changes-to-consumer-complaint-portal sclark@imfpubs.com The National Consumer Law Center said the proposals will reduce price transparency, create an unlevel playing field and will make homeownership more expensive for consumers. http://www.insidemortgagefinance.com/articles/236609 Mon, 09 Feb 2026 16:14:16 -0500 https://www.insidemortgagefinance.com/articles/236609-consumer-advocates-call-for-withdrawal-of-occ-preemption-proposals sclark@imfpubs.com The new rule codifies financial institutions’ existing obligations under the state antidiscrimination law. http://www.insidemortgagefinance.com/articles/236555 Mon, 09 Feb 2026 16:11:27 -0500 https://www.insidemortgagefinance.com/articles/236555-nj-enacts-new-disparate-impact-regulations