https://www.insidemortgagefinance.com/rss en-us 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 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 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 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 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 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 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 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 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 sclark@imfpubs.com Democratic attorneys general in 10 states urged a federal court to block two of the OCC’s recent final rules from taking effect. http://www.insidemortgagefinance.com/articles/238286 Mon, 24 Aug 2026 15:00:11 -0400 https://www.insidemortgagefinance.com/articles/238286-occ-hit-with-lawsuit-over-interest-on-escrow-rules sclark@imfpubs.com In an amended complaint, consumer groups argued that the CFPB failed to consult with the appropriate prudential regulators prior to issuing its ECOA rulemaking process. http://www.insidemortgagefinance.com/articles/238314 Mon, 24 Aug 2026 14:59:13 -0400 https://www.insidemortgagefinance.com/articles/238314-consumer-groups-bring-new-challenge-in-cfpb-ecoa-lawsuit sclark@imfpubs.com Industry experts said the mortgage industry is using AI for compliance efforts such as flagging fraud, asset reverification or ensuring operational controls are in place. http://www.insidemortgagefinance.com/articles/238352 Mon, 24 Aug 2026 14:56:18 -0400 https://www.insidemortgagefinance.com/articles/238352-mortgage-industry-using-ai-to-support-compliance sclark@imfpubs.com Rise Economy, a California-based nonprofit, has threatened to take legal action to block the OCC and FDIC proposal to revise Community Reinvestment Act requirements. http://www.insidemortgagefinance.com/articles/238208 Mon, 10 Aug 2026 14:08:04 -0400 https://www.insidemortgagefinance.com/articles/238208-consumer-advocates-reject-new-cra-proposal sclark@imfpubs.com The draft CFPB Reform Act, which is backed by CFPB Acting Director Russell Vought and House Republicans, seeks to bring the agency under the appropriations process, among other reforms. http://www.insidemortgagefinance.com/articles/238044 Mon, 27 Jul 2026 12:34:28 -0400 https://www.insidemortgagefinance.com/articles/238044-vought-calls-for-legislative-reforms-to-cfpb sclark@imfpubs.com The bureau has called for feedback regarding the TILA-RESPA Integrated Disclosure rule, issues involving reverse mortgages and fee disclosure tolerance thresholds.  Integrated Disclosure rule, issues involving reverse mortgages and fee disclosure tolerance thresholds.]]> http://www.insidemortgagefinance.com/articles/238049 Mon, 27 Jul 2026 12:33:29 -0400 https://www.insidemortgagefinance.com/articles/238049-cfpb-weighs-disclosure-changes bivey@imfpubs.com The CFPB is planning a number of rulemaking activities across financial sectors. Many of the actions aim to reduce regulatory burdens. http://www.insidemortgagefinance.com/articles/237961 Mon, 13 Jul 2026 14:30:30 -0400 https://www.insidemortgagefinance.com/articles/237961-cfpb-to-streamline-regulations-help-small-businesses sclark@imfpubs.com If enacted, the Fair Credit Reporting Reseller Accuracy Act would ensure that credit report resellers report data to the “maximum accuracy possible.” The bill has bipartisan support. http://www.insidemortgagefinance.com/articles/237911 Mon, 13 Jul 2026 14:26:32 -0400 https://www.insidemortgagefinance.com/articles/237911-lawmakers sclark@imfpubs.com The regulation goes beyond subjecting traditional buy now, pay later lenders to underwriting requirements. http://www.insidemortgagefinance.com/articles/237883 Mon, 13 Jul 2026 14:18:35 -0400 https://www.insidemortgagefinance.com/articles/237883-illinois-enacts-broad-bnpl-regulation 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