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      <title>CFPB at Center of Reforms to Promote Mortgage Lending </title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236981</guid>
      <pubDate>Mon, 23 Mar 2026 16:16:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236981-trump-eo-directs-cfpb-to-implement-mortgage-reform</link>
    </item>
    <item>
      <title>Strong QC Essential for Per Diem Interest Compliance</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236995</guid>
      <pubDate>Mon, 23 Mar 2026 16:11:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236995-compli</link>
    </item>
    <item>
      <title>New York Proposes Sweeping Regulations of BNPL Products</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[If enacted as proposed, the rule would impose substantial regulatory requirements onto buy now, pay later providers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236864</guid>
      <pubDate>Mon, 09 Mar 2026 13:06:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236864-ny-proposes-sweeping-bnpl-regulations</link>
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      <title>OCC Ends Collection of Some Fair Housing Data</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The regulator said the Fair Housing Home Loan Data System regulation was obsolete and largely duplicative of and inconsistent with other data collection regimes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236822</guid>
      <pubDate>Mon, 09 Mar 2026 13:04:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236822-occ-finalizes</link>
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    <item>
      <title>Consumer Advocates Criticize HUD Discriminatory Effects Proposal</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236726</guid>
      <pubDate>Mon, 23 Feb 2026 16:10:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236726-consumer-advocates-reject-hud-discrimantory-effects-proposal</link>
    </item>
    <item>
      <title>District Court in Washington Refuses to Block State SPCP</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236709</guid>
      <pubDate>Mon, 23 Feb 2026 16:06:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236709-district-court-upholds-washington-spcp</link>
    </item>
    <item>
      <title>CFPB Makes Changes to Consumer Complaint Portal</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236554</guid>
      <pubDate>Mon, 09 Feb 2026 16:23:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236554-cfpb-weighs-changes-to-consumer-complaint-portal</link>
    </item>
    <item>
      <title>Consumer Advocates Reject OCC Preemption Proposals</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[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.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236609</guid>
      <pubDate>Mon, 09 Feb 2026 16:14:16 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236609-consumer-advocates-call-for-withdrawal-of-occ-preemption-proposals</link>
    </item>
    <item>
      <title>New Jersey Enacts New Disparate-Impact Rule</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The new rule codifies financial institutions’ existing obligations under the state antidiscrimination law.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236555</guid>
      <pubDate>Mon, 09 Feb 2026 16:11:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236555-nj-enacts-new-disparate-impact-regulations</link>
    </item>
    <item>
      <title>CFPB, Trump Clash Over Credit Card Interest Cap</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[President Trump wants Congress to enact a temporary 10% cap on credit card interest rates, while CFPB actions seem to be causing rates to go up.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236571</guid>
      <pubDate>Mon, 09 Feb 2026 16:10:51 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236571-cfpb-trump-clash-over-credit-card-interest-cap</link>
    </item>
    <item>
      <title>MISMO, CSBS Push Lenders to Adopt MCD 2.0</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[CSBS President Brandon Milhorn said the new data standard will help reduce mortgage lending compliance costs, giving companies the flexibility to make more loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236466</guid>
      <pubDate>Mon, 26 Jan 2026 11:09:07 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236466-mismo-csbs-push-industry-to-adopt-mcd-20</link>
    </item>
    <item>
      <title>New York Extends CRA Requirements to Nonbanks</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[New York will soon start evaluating nonbank mortgage lenders on how well they meet the credit needs of the communities that they serve.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236433</guid>
      <pubDate>Mon, 26 Jan 2026 11:08:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236433-new-york</link>
    </item>
    <item>
      <title>Industry Experts Push for AI Regulation Alongside Innovation</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[While innovation and regulation are often thought of as in tension, industry participants suggest that with artificial intelligence, the two factors can work together.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236475</guid>
      <pubDate>Mon, 26 Jan 2026 11:06:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236475-industry-experts-promote</link>
    </item>
    <item>
      <title>CFPB Scraps Guidance on Fair Lending to Noncitizens</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The move clarifies that the Equal Credit Opportunity Act doesn’t prohibit lenders’ consideration of immigration status when evaluating credit applications.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236306</guid>
      <pubDate>Mon, 12 Jan 2026 16:07:07 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236306-cfpb-to-revoke-statement-on-fair-lending-to-noncitizens</link>
    </item>
    <item>
      <title>Regulatory Relief for Certain Earned Wage Access Products</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Earned wage access products are no longer subject to the Truth in Lending Act’s requirements, if they meet certain terms laid out in the bureau’s new advisory opinion.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236322</guid>
      <pubDate>Mon, 12 Jan 2026 16:02:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236322-cfpb-changes</link>
    </item>
    <item>
      <title>Consumer Groups Oppose CFPB’s ECOA Proposal</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Consumer advocates said the proposed changes will make it even more difficult for underserved markets to access credit, particularly people of color that continue to experience redlining and lending discrimination.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236232</guid>
      <pubDate>Mon, 22 Dec 2025 11:07:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236232-consumer-advocates-oppose-cfpbs-ecoa-proposal</link>
    </item>
    <item>
      <title>State Regulatory Body Supports NMLS Call Report Grace Period</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The organization that represents state mortgage regulators supports a request from the MBA for a grace period for initial filing of Mortgage Call Report Version 7.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236212</guid>
      <pubDate>Mon, 22 Dec 2025 11:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236212-aarmr-backs</link>
    </item>
    <item>
      <title>CFPB Urged to Eliminate Payday Lending Rule</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Although the bureau isn’t enforcing its payday lending rule, members of the small-dollar lending industry said the rule is still limiting customers’ “payment flexibility.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236234</guid>
      <pubDate>Mon, 22 Dec 2025 11:03:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236234-bnpl</link>
    </item>
    <item>
      <title>CFPB Targeting Debanking; NCUA Shifts on Fair Lending</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB will focus on debanking in 2026, while the NCUA shifted how it will evaluate potential discrimination under fair lending laws.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236219</guid>
      <pubDate>Mon, 22 Dec 2025 11:02:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236219-fed-regulators-detail-ongoing-fair-lending-priorities</link>
    </item>
    <item>
      <title>Industry, Consumer Groups Disagree on Section 1071 Changes</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Trade groups and consumer advocates go different ways in their feedback on proposed changes to data collection on small-business lending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236191</guid>
      <pubDate>Mon, 22 Dec 2025 11:01:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236191-industry-split-on-cfpbs-section-1071-proposal</link>
    </item>
    <item>
      <title>Appeals Court Rules New York FAPA Applies Retroactively</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The court determined that when used retroactively, the new state foreclosure-protection law in New York doesn’t interfere with mortgage lenders’ due process rights.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236047</guid>
      <pubDate>Mon, 08 Dec 2025 15:55:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236047-appeals-court-rules-ny-fapa-applies-retroactively</link>
    </item>
    <item>
      <title>Servicers Held Liable in Convenience Fee Lawsuit</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A Maryland court ruled that Lakeview Loan Servicing and Nationstar Mortgage are subject to state prohibitions against charging convenience fees for monthly mortgage payments via phone.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236052</guid>
      <pubDate>Mon, 08 Dec 2025 15:52:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236052-court-holds-servicers-liable-in-convenience-fee-lawsuit</link>
    </item>
    <item>
      <title>Fed Examiners Warn Lenders About Flood Insurance Violations</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Federal Reserve examiners have identified several compliance violations related to flood insurance coverage and notices, force placement and loan modifications.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236068</guid>
      <pubDate>Mon, 08 Dec 2025 15:51:40 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236068-fed-examiners-warns-of-flood-insurance-violations</link>
    </item>
    <item>
      <title>CFPB Proposes Widespread ECOA Changes</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The proposed changes would eliminate the use of disparate impact under the Equal Credit Opportunity Act and restrict conditions for creditors to offer special purpose credit programs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235953</guid>
      <pubDate>Mon, 24 Nov 2025 12:10:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235953-cfpb-proposes-widespread-ecoa-changes</link>
    </item>
    <item>
      <title>Bureau Seeks to Narrow Section 1071 Rollout</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The new Section 1071 proposal would raise the covered loan origination threshold and exclude certain loans from coverage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235940</guid>
      <pubDate>Mon, 24 Nov 2025 12:08:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235940-cfpb-seeks-to-narrow-section-1071-rollout</link>
    </item>
    <item>
      <title>MBA Opposes NJ Effort to Apply CRA to Nonbanks</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association and a local trade group said imposing Community Reinvestment Act requirements on nonbanks isn’t the way to address the barriers to homeownership.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235927</guid>
      <pubDate>Mon, 24 Nov 2025 12:01:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235927-mba-opposes-nj-cra-legislation</link>
    </item>
    <item>
      <title>MBA Raises Concerns Over Patchwork of State AI Laws</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The trade group called for clear federal guidance on existing laws to provide regulatory certainty and facilitate the adoption of artificial intelligence by the mortgage industry.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235797</guid>
      <pubDate>Mon, 10 Nov 2025 11:16:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235797-mba-seeks</link>
    </item>
    <item>
      <title>CFPB Says FCRA Preempts State Credit Reporting Laws</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bureau’s new interpretive rule could call into question the legality of state laws that aim to ban medical debt and other information from credit reports.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235835</guid>
      <pubDate>Mon, 10 Nov 2025 11:15:01 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235835-cfpb-says-fcra-preempts-state-credit-reporting-laws</link>
    </item>
    <item>
      <title>Changes to Adjudication Proceedings Revoked</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bureau repealed some amendments over concerns that the process for deciding dispositive motions concentrated authority with the director of the bureau.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235842</guid>
      <pubDate>Mon, 10 Nov 2025 11:14:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235842-cfpb-revokes-changes-to-adjudication-proceedings</link>
    </item>
    <item>
      <title>MBA Seeks Further Changes to New York CRA</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association is concerned that New York’s Community Reinvestment Act plans will place restrictive limits on CRA credit for purchased loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235683</guid>
      <pubDate>Mon, 27 Oct 2025 15:08:50 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235683-mortgage-trade-groups-pushback-again-on-ny-cra-rule</link>
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