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    <title>HMDA</title>
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    <item>
      <title>CFPB Looking at LO Comp, Fair Lending Issues</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Mark McArdle, an assistant director of mortgage markets at the CFPB, provided updates on the regulator’s priorities in terms of mortgage lending at the MBA’s independent mortgage bankers conference. The top concerns are LO comp practices and fair lending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230046</guid>
      <pubDate>Mon, 29 Jan 2024 11:58:46 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230046-cfpb-looking-at-lo-comp-fair-lending-issues</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Illinois delays vote on CRA regulations; FCC closes lead generator loophole; Biden vetoes bill disapproving 1071; CFPB adjusts asset thresholds under HMDA, TILA; bureau issues report on overdraft fees; CFPB shutters medical debt collector.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229808</guid>
      <pubDate>Fri, 22 Dec 2023 15:01:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229808-other-news-in-brief</link>
    </item>
    <item>
      <title>Regulators Offer Insight on Redlining Investigations</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Federal regulators discussed best practices for lenders’ redlining analysis to head off regulatory risk. Separately, Navy Federal Credit Union faces mortgage lending discrimination allegations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229779</guid>
      <pubDate>Thu, 21 Dec 2023 13:29:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229779-regulators-offer-redlining-disability-discrimination-compliance-tips</link>
    </item>
    <item>
      <title>CFPB Fines BofA $12 Million for HMDA Errors</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau had accused Bank of America of submitting false information related to collection and reporting of mortgage applicants’ race, ethnicity and gender under the Home Mortgage Disclosure Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229602</guid>
      <pubDate>Mon, 11 Dec 2023 16:58:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229602-cfpb-fines-bofa-12m-for-hmda-errors</link>
    </item>
    <item>
      <title>CFPB Details Differences in HMDA Reporting on Race</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A CFPB working paper found that lender-identified race and ethnicity data on mortgage applications more closely correlates with the probability an individual is of a given race than applications with self-identified race information. The largest differences were for Hispanic and Black applicants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229551</guid>
      <pubDate>Mon, 27 Nov 2023 15:48:56 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229551-cfpb-details-differences-in-hmda-reporting-on-race</link>
    </item>
    <item>
      <title>HMDA Tops Compliance Issues at Banks in 2022</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In a new report, the Federal Reserve said nearly 60% of the compliance violations it observed at banks in 2022 were related to reporting under the Home Mortgage Disclosure Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229395</guid>
      <pubDate>Mon, 13 Nov 2023 14:09:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229395-fed-says-most-2022-compliance-violations-were-due-to-hmda-errors</link>
    </item>
    <item>
      <title>Freedom Sued Over HMDA Reporting Errors</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau alleges Freedom Mortgage submitted 2020 Home Mortgage Disclosure Act data that was riddled with errors, demonstrating insufficient improvements after a 2019 consent order.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229152</guid>
      <pubDate>Mon, 16 Oct 2023 14:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229152-cfpb-sues-freedom-over-hmda-errors</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Annual inflation adjustments tied to TILA; CFPB reviews 2022 HMDA data; amicus brief in credit report dispute lawsuit; CFPB touts results from complaint database.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229043</guid>
      <pubDate>Mon, 02 Oct 2023 12:00:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229043-other-news-in-brief</link>
    </item>
    <item>
      <title>CFPB Fair Lending Activity Level; Focus on Tech</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau initiated 32 fair lending investigations in 2022. The most common issue leading to supervisory communication was related to mortgage origination underwriting policies and guidelines.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228261</guid>
      <pubDate>Mon, 10 Jul 2023 15:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228261-cfpb-upgrading-fair-lending-data-analysis-capabilities</link>
    </item>
    <item>
      <title>HMDA Reporting Issues Pile Up at Banks
</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Compliance issues tied to HMDA reporting were the most common problem cited in Fed exams of banks in 2022.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227906</guid>
      <pubDate>Tue, 30 May 2023 10:15:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227906-most-violations-in-2022-were-of-hmda-fed-says</link>
    </item>
    <item>
      <title>Denial Rates for Refis Jump in 2022</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rising interest rates made it a lot harder to qualify for a refi in 2022, according to a new analysis of HMDA data. The denial rate on applications for refis nearly doubled for certain loan products. (Includes data chart.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227630</guid>
      <pubDate>Mon, 01 May 2023 11:15:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227630-denial-rates-for-refis-jump-in-2022</link>
    </item>
    <item>
      <title>Attorneys Offer Advice on Challenging Redlining Claims </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Two attorneys at Orrick shared strategies that mortgage lenders can use to defend themselves in federal redlining cases, including questioning the data analysis used to bring a case.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227358</guid>
      <pubDate>Mon, 03 Apr 2023 15:36:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227358-attorneys-offer-tips-on-defending-against-redlining-claims</link>
    </item>
    <item>
      <title>Expanded HMDA Reporting Requirements Increased Costs</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A CFPB review of the Home Mortgage Disclosure Act shows that reporting changes instituted by the 2015 HMDA rule increased compliance costs for companies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227227</guid>
      <pubDate>Mon, 20 Mar 2023 15:12:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227227-expanded-hmda-reporting-requirements-increased-costs</link>
    </item>
    <item>
      <title>FRBNY Finds Insignificant Impact of CRA for Borrowers </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The study found that the Community Reinvestment Act has had little effect on the level of household borrowing in low- to moderate-income census tracts and on lending in different debt categories.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227042</guid>
      <pubDate>Tue, 21 Feb 2023 13:38:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227042-ny-fed-study-cra-effects-on-household-borrowing-are-insignificant</link>
    </item>
    <item>
      <title>Other News In Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[CFPB to collect rental market data, issue background check guidance; banking regulators won’t enforce against newly-covered HMDA reporters.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226925</guid>
      <pubDate>Mon, 06 Feb 2023 16:01:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226925-other-news-in-brief</link>
    </item>
    <item>
      <title>City National Bank Settles DOJ Redlining Case</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Los Angeles-based lender agreed to a $31 million payout to settle charges it engaged in redlining by denying residents in majority-Black and Hispanic neighborhoods fair access to mortgage credit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226736</guid>
      <pubDate>Mon, 23 Jan 2023 14:35:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226736-city-national-bank-settles-doj-redlining-case</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[State AGs weigh in on CFPB’s Supreme Court appeal; HMDA filing period opens; Community Reinvestment Act thresholds updated; CFPB asks for dismissal of UDAAP lawsuit; CFPB, FTC argue furnishers must investigate legal disputes; bureau penalizes remittances provider.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226683</guid>
      <pubDate>Mon, 09 Jan 2023 14:12:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226683-other-news-in-brief</link>
    </item>
    <item>
      <title>After Court Knocks Down HMDA Change, CFPB Offers a Break</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB said in a blog post that it won’t initiate enforcement actions for failure to report closed-end mortgage loan data collected in 2020, 2021 or 2022 for institutions that are once again subject to Home Mortgage Disclosure Act reporting requirements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226495</guid>
      <pubDate>Mon, 19 Dec 2022 15:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226495-after-court-broadens-hmda-coverage-cfpb-offers-affected-firms-a-break</link>
    </item>
    <item>
      <title>Racial Application Denial Gaps Not Due to Differential Treatment</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Observable underwriting factors explain most racial and ethnic disparities in mortgage application denial rates, a new Fed study finds.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226069</guid>
      <pubDate>Mon, 07 Nov 2022 04:42:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226069-study-racial-application-denial-gaps-not-due-to-differential-treatment</link>
    </item>
    <item>
      <title>Court Partially Overturns HMDA Reporting Rule</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A judge held that the CFPB’s 2020 Home Mortgage Disclosure Act rule that introduced a higher loan-volume reporting threshold was in part arbitrary and capricious.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225909</guid>
      <pubDate>Mon, 10 Oct 2022 16:31:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225909-dc-court-partially-overturns-2020-hmda-rule-expanding-coverage</link>
    </item>
    <item>
      <title>NCRC Raises Concerns About Missing Demographic Data in HMDA</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The National Community Reinvestment Coalition criticised the growing practice among lenders of not collecting race and ethnicity data under HMDA, saying 23% of listed loans now lack the information.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225596</guid>
      <pubDate>Mon, 12 Sep 2022 15:26:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225596-one-in-four-hmda-loans-lack-demographic-data-ncrc-says-pushes-for-fix</link>
    </item>
    <item>
      <title>Nonbanks Advised to Protect Against Redlining Claims</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Attorneys for law firm Garris Horn said lenders should take certain steps to protect themselves against redlining accusations by regulators, recommending lenders virtue signal more often.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225622</guid>
      <pubDate>Mon, 12 Sep 2022 15:22:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225622-attorneys-review-cfpbs-legal-reasoning-for-redlining-enforcement</link>
    </item>
    <item>
      <title>Including Purchased Loans in CRA Test Doesn’t Boost LMI Credit</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A Federal Reserve study evaluated if giving Community Reinvestment Act credit for purchasing loans benefits LMI credit availability, finding that it creates more loan purchases but not more originations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225290</guid>
      <pubDate>Mon, 01 Aug 2022 15:11:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225290-fed-paper-including-purchase-loans-in-cra-test-doesnt-boost-lmi-credit</link>
    </item>
    <item>
      <title>Banking Groups Pan CFPB’s Extension of UDAAPs to Discrimination</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The recent changes to the CFPB’s supervision manual that brought discriminatory conduct under its “unfairness” standard are unlawful, a coalition of banking trade groups argued in a new white paper.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225032</guid>
      <pubDate>Tue, 05 Jul 2022 13:19:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225032-banking-groups-pan-cfpbs-extension-of-udaaps-to-discrimination</link>
    </item>
    <item>
      <title>HMDA RFI Prompts Strong Opinions on Data Collection</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Trade associations said HMDA disclosure requirements impose a substantial financial burden on their members, while advocates pressed for more data to be collected and published.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223782</guid>
      <pubDate>Mon, 14 Feb 2022 15:40:25 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223782-hmda-rfi-draws-predictable-responses-from-trade-associations-advocates</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Bank overdraft and NSF fee practices in easy-to-read, comparative table; Fourth Circuit overturns ruling on convenience fees; CFPB publishes HMDA data entry helper; five federal agencies launch campaign to tackle dating scams.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223785</guid>
      <pubDate>Mon, 14 Feb 2022 15:32:36 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223785-other-news-in-brief</link>
    </item>
    <item>
      <title>CFPB Seeks Feedback on HMDA’s Effectiveness</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau is seeking public input on the data collected under HMDA and information to help it conduct an assessment of the rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223026</guid>
      <pubDate>Mon, 22 Nov 2021 14:31:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223026-cfpb-asks-for-input-on-hmdas-effectiveness</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Chopra’s CFPB appointment gets closer; John Coleman joins private sector; OCC officially proposes rescinding its 2020 CRA rule; CFPB releases filing instructions for 2022 HMDA data collections.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222423</guid>
      <pubDate>Mon, 13 Sep 2021 15:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222423-other-news-in-brief</link>
    </item>
    <item>
      <title>In the Works: Changes to Mortgage Servicing Rules </title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[In the new year, the CFPB will propose changes to its loss-mitigation rules to govern how residential servicers work with borrowers affected by natural disasters and other emergencies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/220021</guid>
      <pubDate>Mon, 21 Dec 2020 15:45:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/220021-cfpb-plans-to-amend-mortgage-servicing-rules</link>
    </item>
    <item>
      <title>Consumer Group Lawsuits Aim to Overturn Trump-Era Rules</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[Consumer advocacy groups are hoping their recent lawsuits have set the stage for the Biden administration to overturn lax Trump-era rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219955</guid>
      <pubDate>Mon, 07 Dec 2020 16:12:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219955-consumer-groups-lawsuits-aiming-to-overturn-trump-administration-rules</link>
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