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    <title>TILA</title>
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    <item>
      <title>CFPB Moves to Regulate Buy Now, Pay Later Products</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB plans to use its authority over credit card providers to apply to buy now, pay later providers. The move could face a legal challenge.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231135</guid>
      <pubDate>Mon, 03 Jun 2024 15:54:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231135-cfpb-classifies-buy-now-pay-later-lenders-as-credit-card-providers</link>
    </item>
    <item>
      <title>CFPB Issues Polarizing Proposal on Overdraft Fees</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Currently, banks charge an average of $35 for overdraft loans, raking in billions of dollars per year. The CFPB proposed a safe harbor for overdraft loans that would be as low as $3.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229982</guid>
      <pubDate>Mon, 29 Jan 2024 11:49:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229982-cfpb-issues-polarizing-proposal-on-overdraft-fees</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>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[MBA’s advocacy arm tells members to oppose Illinois CRA rule draft; CFPB fines small-dollar lender $15 million for consent order violation; CFPB reverses course on UDAAP examination manual changes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229552</guid>
      <pubDate>Mon, 27 Nov 2023 15:44:57 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229552-other-news-in-brief</link>
    </item>
    <item>
      <title>Supreme Court to Hear Case on Banks and Escrows</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[A split among circuit courts prompted the Supreme Court to take up a case involving banks and mortgage escrow accounts. The dispute centers on federal preemption of state requirements for financial institutions to make interest payments on funds in mortgage escrow accounts.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229294</guid>
      <pubDate>Mon, 30 Oct 2023 12:18:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229294-supreme-court-to-hear-case-on-banks-and-escrows</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>State Examiners Concerned About MLO Behavior</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Attorneys recently highlighted non-compliant behavior among mortgage loan originators, including their usage of social media.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228916</guid>
      <pubDate>Mon, 18 Sep 2023 14:14:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228916-state-examiners-concerned-about-trid-violations-mlo-errors</link>
    </item>
    <item>
      <title>Mortgage Lenders Favor ATR Standards for PACE Loans</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[A CFPB proposal to set ability-to-repay requirements for PACE lending has support from mortgage lenders. However, PACE lenders and eight Republican state attorneys general have warned the proposal would lead to the end of PACE lending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228506</guid>
      <pubDate>Mon, 07 Aug 2023 14:12:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228506-mortgage-lenders-favor-atr-standards-for-pace-loans</link>
    </item>
    <item>
      <title>CFPB Fines BofA Over Fake Credit Card Accounts, NSF Fees</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The consent orders related to Bank of America’s practice of charging repeat nonsufficient funds fees, denying rewards to credit card consumers and opening unauthorized credit card accounts.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228352</guid>
      <pubDate>Mon, 24 Jul 2023 15:50:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228352-bofa-cfpb-settle-fake-credit-card-repeat-nsf-fee-allegations</link>
    </item>
    <item>
      <title>CFPB Clarifies Stance on ECOA, TILA Coverage</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In recent amicus briefs, the bureau argued that statutes of limitations are subject to equitable tolling and a loan’s exposure to the Truth in Lending Act is not based solely on contractual language.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228400</guid>
      <pubDate>Mon, 24 Jul 2023 15:46:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228400-cfpb-opines-on-ecoa-tila-coverage-in-amicus-briefs</link>
    </item>
    <item>
      <title>Court Bars Enforcement Action Against Ocwen</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[For the third time, a judge held that the CFPB’s claims against Ocwen Financial over alleged servicing-related violations of federal law, are barred by a 2014 consent order between the bureau and the servicer.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227803</guid>
      <pubDate>Mon, 15 May 2023 15:19:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227803-consent-order-bars-ocwen-enforcement-action-court-says</link>
    </item>
    <item>
      <title>CFPB’s Card Late Fee Proposal Faces Pushback</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Banking trade groups panned the rule as unnecessary and damaging to credit card issuers, especially smaller banks and credit unions. Michigan Democrat Rep. Rashida Tlaib has expressed “strong support” for the proposed rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227817</guid>
      <pubDate>Mon, 15 May 2023 15:16:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227817-credit-card-late-fee-rule-will-harm-small-issuers-industry-says</link>
    </item>
    <item>
      <title>Court Denies CFPB Motion to Stop Employee Depositions</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB’s attempt to prevent the deposition of three employees in its own enforcement case against Citizens Bank was rejected.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227373</guid>
      <pubDate>Mon, 03 Apr 2023 15:34:50 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227373-tables-turned-bureau-employees-deposed-in-enforcement-action</link>
    </item>
    <item>
      <title>Other News in Brief </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[CFPB expands credit card survey; debt collector ordered to pay $24 million; CFPB says TILA doesn’t preempt state disclosure laws; ICBA requests CFPB approve proposed construction loan disclosure template; SCOTUS requests DOJ input on mortgage escrow interest laws.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227422</guid>
      <pubDate>Mon, 03 Apr 2023 15:32:53 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227422-other-news-in-brief</link>
    </item>
    <item>
      <title>CFPB Uncovers New ‘Junk Fee’ Charges by Mortgage Servicers</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In a special edition supervisory highlights report, the CFPB revealed old and new ways in which mortgage servicers are attempting to collect unlawful fees from borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227203</guid>
      <pubDate>Mon, 20 Mar 2023 15:20:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227203-cfpb-says-mortgage-servicers-charged-improper-late-fees-pmi-premiums</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Guilty plea on non-QM program; HUD restores discriminatory effects rule; new CRA rule soon; NY servicer must repay pandemic relief it didn’t issue; CFPB to redefine earned wage access products; mortgage broker indicted for tax fraud; CFPB reviewing MLO rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227302</guid>
      <pubDate>Mon, 20 Mar 2023 15:09:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227302-other-news-in-brief</link>
    </item>
    <item>
      <title> CFPB Permanently Bans Repeat Offender Majestic Home</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[RMK Financial/Majestic Home Loans continued to use advertisements that led consumers to believe it was affiliated with the FHA or VA in violation of a 2015 consent order.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227156</guid>
      <pubDate>Mon, 06 Mar 2023 15:28:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227156-bureau-bans-nonbank-fha-va-lender-from-mortgage-lending</link>
    </item>
    <item>
      <title>CFPB Weighs TRID Changes for Construction Loans</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau has opened for public feedback the Independent Community Bankers of America’s application for a trial program that would provide borrowers expanded disclosures for construction and construction-to-permanent loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227164</guid>
      <pubDate>Mon, 06 Mar 2023 15:20:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227164-cfpb-weighing-expanded-construction-loan-disclosures-taking-comments</link>
    </item>
    <item>
      <title>Rulemaking Related to Nonbank Registration on CFPB Agenda</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB’s latest regulatory agenda includes some pending priorities and some new ones. Two of the new items would require nonbanks to register with the bureau.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226665</guid>
      <pubDate>Mon, 09 Jan 2023 14:23:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226665-regulatory-agenda-reflects-chopras-credit-reporting-nonbank-priorities</link>
    </item>
    <item>
      <title>Bank Statement QMs Face Hurdles Due to Policy Change</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[For lenders trying to make bank statement loans that qualify as QMs, a little-noticed addition to a Regulation Z commentary could create uncertainty around whether they’ve properly verified the borrower’s income.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226678</guid>
      <pubDate>Mon, 09 Jan 2023 14:19:23 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226678-bank-statement-qms-face-hurdles-due-to-policy-change</link>
    </item>
    <item>
      <title>TILA Doesn't Preempt NY Commercial Financing Disclosure Law</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In a preliminary determination, the CFPB said the Truth in Lending Act doesn’t preempt a New York law requiring lenders to provide commercial borrowers with financial disclosures similar to those provided to consumers. The agency said the laws cover distinct sectors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226501</guid>
      <pubDate>Mon, 19 Dec 2022 15:04:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226501-tila-doesnt-preempt-ny-commercial-financing-disclosure-law-cfpb-says</link>
    </item>
    <item>
      <title>Mortgage Assumptions Require Unique Compliance Steps</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[State and federal regulations on assumable mortgages differ in some respects from those for new originations. And agency and investor guidelines have to be factored in too.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226542</guid>
      <pubDate>Mon, 19 Dec 2022 15:03:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226542-mortgage-assumptions-require-unique-compliance-steps-attorneys-say</link>
    </item>
    <item>
      <title>CFPB Says Fourth Circuit Should Reinstate TILA Case</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The appeals court had temporarily dismissed class-action claims that PNC Bank made unauthorized withdrawals from a borrower's deposit accounts to cover payments on a home equity line of credit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226416</guid>
      <pubDate>Mon, 05 Dec 2022 16:04:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226416-cfpb-says-fourth-circuit-should-reinstate-tila-case</link>
    </item>
    <item>
      <title>TILA-Required Statements Covered by FDCPA, Appeals Court Says</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[An appeals court has ruled that monthly statements attempting to induce payment on a debt are covered by both the Truth in Lending Act and Fair Debt Collection Practices Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225229</guid>
      <pubDate>Mon, 01 Aug 2022 15:06:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225229-tila-required-statements-covered-by-the-fdcpa-appeals-court-says</link>
    </item>
    <item>
      <title>Appeals Circuit Rejects Dismissal of FDCPA Claim</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Monthly mortgage statements that contain language suggesting they are attempts to induce payment on a debt can be construed as a debt-related communication under the Fair Debt Collections Practices Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224894</guid>
      <pubDate>Tue, 21 Jun 2022 13:02:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224894-appeals-court-fdcpa-can-cover-some-tila-required-statements</link>
    </item>
    <item>
      <title>Appeals Court Rules for Borrower in RESPA Lawsuit </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Acre Mortgage and Financial has been accused of failure to make all required disclosures and failure to make a reasonable and good faith determination of the borrower’s ability to repay.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223634</guid>
      <pubDate>Mon, 31 Jan 2022 12:25:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223634-appeals-court-remands-lawsuit-alleging-mortgagor-tila-respa-violations</link>
    </item>
    <item>
      <title>Rohit Chopra Mum on Potential Changes to QM Rule</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB’s new director showed an interest in the question of qualified mortgage standards, but gave no indication as to whether the rule would see significant changes in the coming months.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222905</guid>
      <pubDate>Mon, 08 Nov 2021 15:17:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222905-chopra-keeps-mum-on-qms</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[New York to apply CRA standards to nonbanks; CFPB announces 2022 regulatory thresholds under TILA; CFPB issues advisory opinion on mistaken identity matching.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222879</guid>
      <pubDate>Mon, 08 Nov 2021 15:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222879-cfpb-announces-2022-regulatory-thresholds-under-tila</link>
    </item>
    <item>
      <title>Income Share Agreements Are Loans, Says CFPB</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB has made it clear that it’s not buying income share agreement providers’ argument that their products are not loans and hence they don’t have to comply with consumer protection laws.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222492</guid>
      <pubDate>Mon, 27 Sep 2021 14:10:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222492-income-share-agreements-are-loans-says-cfpb</link>
    </item>
    <item>
      <title>CFPB Finalizes Advisory Policy, Issues Two Opinions</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[Under the finalized policy, the CFPB issued two advisory opinions or “interpretive rules” regarding earned wage access programs and certain education loan products. 
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219903</guid>
      <pubDate>Mon, 07 Dec 2020 15:20:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219903-cfpb-finalizes-advisory-opinion-policy</link>
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