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    <title>Other Mortgage-Related Regulation</title>
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    <item>
      <title>Federal Bank Regulators Plan to Rescind CRA Rule </title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The October 2023 final rule provided several major updates to the Community Reinvestment Act, but the rule’s implementation has been stalled due to a lawsuit by trade groups representing banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233874</guid>
      <pubDate>Mon, 31 Mar 2025 15:09:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233874-feds-plan-to-rollback-cra-updates</link>
    </item>
    <item>
      <title>WaFd Cites CRA Requirements for Leaving Mortgage Lending</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Seattle-based bank attributed its decision to exit the mortgage business in part to burdensome CRA requirements. The bank received a “need to improve” CRA rating on its lending to low- and moderate-income borrowers. WaFd said it plans to appeal the rating.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233351</guid>
      <pubDate>Mon, 03 Feb 2025 15:15:48 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233351-wafd-cites-cra-requirements-as-reason-for-leaving-mortgage-lending</link>
    </item>
    <item>
      <title>Mixed Reaction to CFPB’s Mortgage Servicing Proposal </title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Conference of State Bank Supervisors urged the bureau to consult with individual states regarding their loss-mitigation requirements to ensure proposed changes don’t incorrectly preempt state protections.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232187</guid>
      <pubDate>Mon, 23 Sep 2024 14:55:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232187-cfpbs-reg-x-proposal-receives-industry-divide-on-potential-impact</link>
    </item>
    <item>
      <title>CFPB Considers Open Banking Rule for Mortgages</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[With the bureau’s Section 1033 rule expected to be finished shortly, the regulator is interested in issuing additional rules on open banking, with one potentially focused on mortgages.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232185</guid>
      <pubDate>Mon, 23 Sep 2024 14:50:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232185-cfpb-to-potentially-roll-out-open-banking-mortgage-rule</link>
    </item>
    <item>
      <title>Regulators Scrutinize Home Equity Investment Activity</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Home equity investment activity is growing thanks to ongoing home price appreciation and strong demand from both homeowners and investors in the secondary market. Regulation of the products is currently limited to a handful of states.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232188</guid>
      <pubDate>Mon, 23 Sep 2024 14:45:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232188-regulators-scrutinize-home-equity-investment-activity</link>
    </item>
    <item>
      <title>Federal Regulators Issue Appraisal Exam Principles</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The statement on principles relates to the examination of lenders’ residential property appraisal and evaluation practices. Federal regulators believe it will help lenders mitigate risks due to potential discrimination or bias in appraisal practices and to promote credible valuations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230255</guid>
      <pubDate>Mon, 26 Feb 2024 14:16:19 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230255-new-ffiec-principles-provide-insight-into-examination-process</link>
    </item>
    <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>CFPB Working Toward Issuing Servicing Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB’s proposal on streamlining mortgage servicing standards will likely be issued this spring. The regulator is trying to balance loss-mitigation options and foreclosure protections.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230047</guid>
      <pubDate>Mon, 29 Jan 2024 11:54:48 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230047-cfpb-working-toward-issuing-servicing-proposal</link>
    </item>
    <item>
      <title>Oral Arguments Kick Off In Townstone Redlining Case </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB and nonbank mortgage lender Townstone Financial presented their arguments to the Seventh Circuit Court of Appeals. The arguments centered on whether ECOA applies to prospective applicants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229713</guid>
      <pubDate>Fri, 22 Dec 2023 15:09:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229713-oral-arguments-kick-off-in-townstone-redlining-case</link>
    </item>
    <item>
      <title>CFPB, DOJ Sue Developer for Predatory Lending</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau and the Department of Justice sued a Texas land developer and a mortgage lender over an alleged predatory lending scheme.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229791</guid>
      <pubDate>Fri, 22 Dec 2023 15:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229791-cfpb-doj-sue-developer-for-churning-hispanic-borrowers-false-advertising</link>
    </item>
    <item>
      <title>Lenders Support Senate Bill to Limit Trigger Leads</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Housing industry trade groups are getting behind bipartisan legislation in the Senate which would prohibit consumer reporting companies from selling consumers’ contact information when they apply for a mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229748</guid>
      <pubDate>Thu, 21 Dec 2023 13:33:03 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229748-senate-trigger-leads-bill-garners-trade-groups-attention</link>
    </item>
    <item>
      <title>Trade Groups Seek to Slow Data Broker Rulemaking</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Industry wants the CFPB to include an advanced notice of proposed rulemaking step in its Fair Credit Reporting Act rulemaking restricting the sale of consumer data by credit reporting companies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229628</guid>
      <pubDate>Mon, 11 Dec 2023 16:48:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229628-trade-groups-ask-for-anpr-in-data-broker-rulemaking</link>
    </item>
    <item>
      <title>Compliance Work on New CRA Should Start Now</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[While it will take time for banking agencies to issue guidance and create tools facilitating compliance with the newly finalized Community Reinvestment Act rule, banks should get the ball rolling at their end, attorneys said.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229540</guid>
      <pubDate>Mon, 27 Nov 2023 15:54:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229540-compliance-work-on-new-cra-should-start-now-analysts-say</link>
    </item>
    <item>
      <title>Arbitration Petition to CFPB Prompts Strong Reactions</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A petition from consumer advocates called for the CFPB to issue a rulemaking prohibiting the use of forced arbitration agreements in consumer financial services contracts. Industry trade groups said prior Congressional action bars the agency from issuing such a rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229522</guid>
      <pubDate>Mon, 27 Nov 2023 15:53:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229522-cfpb-barred-from-regulating-arbitration-industry-commenters-say</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>Chopra Takes Appraisal Firms to Task at Hearing </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In an Appraisal Subcommittee hearing this month, CFPB Director Rohit Chopra focused on the impact of appraisal management companies, including their market share and fees.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229431</guid>
      <pubDate>Mon, 13 Nov 2023 14:08:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229431-chopra-concerned-about-appraisal-firms-market-effects</link>
    </item>
    <item>
      <title>Dissenters of Final CRA Rule Cite Regulatory Burdens</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Members on the Federal Reserve and FDIC boards who opposed approving the revised Community Reinvestment Act standards said the new rule could put regulatory burdens on banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229415</guid>
      <pubDate>Mon, 13 Nov 2023 14:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229415-dissenting-votes-on-cra-cite-regulatory-burdens</link>
    </item>
    <item>
      <title>Revisions to CRA Requirements for Banks Set for 2026</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[After a solo effort by the OCC in 2020 that was eventually rescinded, federal banking regulators jointly approved changes to requirements under the Community Reinvestment Act. The standards have largely been untouched since 1995.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229296</guid>
      <pubDate>Mon, 30 Oct 2023 12:24:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229296-revisions-to-cra-requirements-for-banks-set-for-2026</link>
    </item>
    <item>
      <title>Mixed Reactions to New CRA Requirements</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Consumer advocates are both happy with aspects of the final rule and frustrated that regulators didn’t go further. Trade groups representing banks also see the final rule as a mixed bag.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229297</guid>
      <pubDate>Mon, 30 Oct 2023 12:23:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229297-industry-split-on-reactions-to-cra-revisions</link>
    </item>
    <item>
      <title>Chopra Talks Servicing Rules, Partisanship at MBA Convention</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In an interview with the Mortgage Bankers Association’s president and CEO, CFPB Director Rohit Chopra confirmed that changes to the agency’s mortgage servicing rules would come in 2024.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229220</guid>
      <pubDate>Mon, 30 Oct 2023 12:17:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229220-chopra-talks-servicing-rules-amendments-partisanship-at-mba</link>
    </item>
    <item>
      <title>Comms Documentation Among Remote LO Compliance Pitfalls</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Lenders should pay attention to state location reporting requirements, emphasize documenting borrower communications and report changes in mortgage loan officer work locations, according to analysts.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229104</guid>
      <pubDate>Mon, 16 Oct 2023 14:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229104-attorneys-offer-remote-lo-compliance-advice</link>
    </item>
    <item>
      <title>More Work Needed on Reconsideration of Value</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Proposed guidance from the CFPB and other regulators on reconsiderations of value was welcomed by many industry participants. Still, consumer advocates and lenders have divergent views on the matter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228966</guid>
      <pubDate>Mon, 02 Oct 2023 12:12:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228966-more-work-needed-on-reconsideration-of-value</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>Chopra, Broeksmit Warn of Consequences If CFPB is Defunded</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[CFPB Director Rohit Chopra and Mortgage Bankers Association President and CEO Robert Broeksmit believe the consequences of deeming the bureau’s funding unconstitutional would be disastrous for regulated markets, especially housing finance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228917</guid>
      <pubDate>Mon, 18 Sep 2023 14:20:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228917-chopra-broeksmit-warn-of-consequences-if-cfpb-defunded</link>
    </item>
    <item>
      <title>Court Says CFPB Can’t Broaden Unfairness Authority</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A federal court sided with trade groups and vacated the CFPB’s March 2022 supervision and examination manual update that directed examiners to apply the Consumer Financial Protection Act’s unfairness authority to discriminatory practices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228908</guid>
      <pubDate>Mon, 18 Sep 2023 14:19:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228908-court-rules-cfpb-cant-broaden-unfairness-authority</link>
    </item>
    <item>
      <title>Court Sides With Borrower Over Discharged Debt Collections</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A panel of judges in the Fourth Circuit Court of Appeals has held that the federal Bankruptcy Code doesn’t preempt state law claims arising from alleged improper collection attempts of a discharged debt.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228796</guid>
      <pubDate>Mon, 18 Sep 2023 14:10:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228796-appeals-court-sides-with-borrower-over-discharged-debt-collections</link>
    </item>
    <item>
      <title>Industry Calls for CRA Rule Delay, Citing CFPB Uncertainty</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Bank Policy Institute and American Bankers Association have asked federal agencies to pause adoption of the Community Reinvestment Act final rule until proposed bank capital requirements are finalized and the Supreme Court decides on the CFPB’s funding mechanism.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228763</guid>
      <pubDate>Tue, 05 Sep 2023 13:34:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228763-trade-groups-request-cra-rule-delay-citing-capital-rules-1071-injunction</link>
    </item>
    <item>
      <title>DOJ Settles Redlining Claims With Oklahoma Bank</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The DOJ has settled redlining charges brought against American Bank of Oklahoma. HSBC Bank also disclosed recently that it’s under investigation by the Department of Housing and Urban Development for alleged redlining.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228771</guid>
      <pubDate>Tue, 05 Sep 2023 13:29:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228771-doj-settles-redlining-claims-with-oklahoma-bank-hud-investigates-hsbc</link>
    </item>
    <item>
      <title>CFPB Claims Stance on LO Comp Hasn’t Changed </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A recent supervisory highlights report detailed violations of the LO comp rule by some lenders who offered differing compensation for brokered versus in-house loans. Industry participants said it’s a novel interpretation of the LO comp rule. But the bureau disagreed with the reading.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228686</guid>
      <pubDate>Mon, 21 Aug 2023 15:35:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228686-cfpb-report-raises-questions-about-brokered-loan-compensation</link>
    </item>
    <item>
      <title>Expansion of NMLS Call Reporting Raises Concerns</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The cost of compliance with upcoming changes to the Nationwide Multistate Licensing System’s mortgage call report may force smaller firms to combine operations or exit the lending business, the MBA warned.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228618</guid>
      <pubDate>Mon, 21 Aug 2023 15:32:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228618-mba-concerns-about-nmls-reporting-change-heeded-by-csbs</link>
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