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    <title>Non-Mortgage Regulation</title>
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      <title>Trade Groups Seek to Whittle Down 1071 Data Collection</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration has delayed compliance with the rule until mid-2026 at the earliest and the CFPB is working to revise the Biden-era requirements. Trade groups representing lenders provided plenty of suggestions to reduce burdens from the rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235088</guid>
      <pubDate>Mon, 18 Aug 2025 13:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235088-trade-groups-seek-to-whittle-down-1071-data-collection</link>
    </item>
    <item>
      <title>CFPB Floats Reducing Oversight of Nonbanks</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The bureau is considering raising the bar for triggering oversight of nonbanks in consumer reporting, consumer debt collection, automobile lending and international money transfers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235090</guid>
      <pubDate>Mon, 18 Aug 2025 13:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235090-cfpb-floats-reducing-oversight-of-nonbanks</link>
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    <item>
      <title>Banks Seek Delay of Open Banking Compliance</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Bank Policy Institute and others stressed that industry participants shouldn’t have to comply with a rule given that the CFPB plans to substantially revise it.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235091</guid>
      <pubDate>Mon, 18 Aug 2025 13:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235091-banks-seek-delay-of-open-banking-compliance</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>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>Mixed Reaction to CFPB’s Open Banking Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Industry participants and consumer advocates separately applauded the CFPB’s Section 1033 proposal on open banking. There were also plenty of suggestions for adjustments among the thousands of comment letters submitted.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229876</guid>
      <pubDate>Tue, 16 Jan 2024 10:56:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229876-mixed-reaction-to-cfpbs-open-banking-proposal</link>
    </item>
    <item>
      <title>Payments Players Seek Carve Outs From CFPB Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB estimated that its proposal to establish oversight of payments providers would apply to 17 companies. Companies subject to the proposal are seeking exemptions while consumer advocates called for more expansive protections.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229913</guid>
      <pubDate>Tue, 16 Jan 2024 10:53:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229913-payments-players-seek-carve-outs-from-cfpb-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 Fines U.S. Bank $21M for Pandemic-Era Benefits Freezes</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The civil monetary penalty and consumer redress are tied to freezes on unemployment benefits accounts during the pandemic.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229794</guid>
      <pubDate>Fri, 22 Dec 2023 15:04:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229794-cfpb-fines-us-bank-21-million-for-pandemic-era-benefits-freezes</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>GOP’s McHenry Praises CFPB for 1033 Rulemaking</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[CFPB Director Rohit Chopra was accused of partisan regulatory management by Republican lawmakers during recent congressional hearings. But the bureau’s proposed personal financial data rights rule found praise.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229681</guid>
      <pubDate>Mon, 11 Dec 2023 16:59:05 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229681-mchenry-praises-cfpb-for-1033-rulemaking</link>
    </item>
    <item>
      <title>CFPB Fines Atlantic Union Bank for Overdraft Issues</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Richmond, VA-based bank has agreed to pay $6.2 million to settle charges that its employees failed to acquire consumers’ affirmative consent before enrolling them in an overdraft protection service.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229672</guid>
      <pubDate>Mon, 11 Dec 2023 16:53:13 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229672-atlantic-union-bank-paying-73m-for-efta-violations</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>Banks’ Policy Stances at Odds With Their Trade Groups</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Banks don’t appear to be doing enough to check the anti-consumer lobbying and litigation efforts of the trade groups that represent them, according to Rise Economy, a California-based nonprofit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229377</guid>
      <pubDate>Mon, 27 Nov 2023 15:50:55 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229377-advocates-highlight-diverging-policy-stances-by-banks-trade-groups</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>CFPB Proposes Supervising Payment App Providers</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB proposed a rule seeking to supervise larger nonbank companies that offer services such as digital wallets and payment apps.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229432</guid>
      <pubDate>Mon, 13 Nov 2023 14:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229432-cfpb-proposes-supervising-payment-app-providers</link>
    </item>
    <item>
      <title>CFPB Proposes Rule on Financial Data Portability</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Section 1033 of the Dodd-Frank Act directed the CFPB to establish financial data-sharing rules. More than 13 years after the DFA was signed into law, the CFPB issued a proposed rule to carry out the 1033 mandate. The rule aims to facilitate open banking.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229299</guid>
      <pubDate>Mon, 30 Oct 2023 12:20:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229299-cfpb-proposes-rule-on-financial-data-portability</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>Court Halts Implementation of Data Collection Rule</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A Texas district court expanded its injunction against the CFPB’s small-business lending data collection requirements. Meanwhile, the Senate voted to overturn the rule though President Biden threatened a veto.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229300</guid>
      <pubDate>Mon, 30 Oct 2023 12:15:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229300-court-halts-implementation-of-data-collection-rule</link>
    </item>
    <item>
      <title>CFPB Case to Decide What Constitutes an Appropriation</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Supreme Court’s decision on the CFPB’s funding will decide not just the future of the agency and its regulations but will also hold implications for what kinds of appropriations Congress can author.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229146</guid>
      <pubDate>Mon, 16 Oct 2023 14:08:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229146-justices-to-decide-what-constitutes-an-appropriation</link>
    </item>
    <item>
      <title>CFPB Bans Fees for Account Information From Large Banks</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In an advisory opinion, the bureau nudged large banks and credit unions to provide consumers with complete and accurate account information when requested, without “unreasonably impeding” the consumer’s access, including charging fees for requests.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229169</guid>
      <pubDate>Mon, 16 Oct 2023 14:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229169-bureau-guidance-bans-fees-for-account-information</link>
    </item>
    <item>
      <title>Chopra Announces Digital Payments Guidance, Supervision</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[CFPB Director Rohit Chopra said the bureau will begin conducting supervisory examinations on nonbank payment platform operators and would issue further orders to big tech firms for information on their use of personal finance data or private currencies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229121</guid>
      <pubDate>Mon, 16 Oct 2023 14:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229121-chopra-announces-digital-payments-guidance-supervision</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Bureau hiring enforcement staff; report says NSF fees down 97%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229174</guid>
      <pubDate>Mon, 16 Oct 2023 14:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229174-other-news-in-brief</link>
    </item>
    <item>
      <title>Kentucky Court Imposes Nationwide Injunction on 1071</title>
      <author>nbhatia@imfpubs.com</author>
      <description>
        <![CDATA[A Kentucky court has issued a nationwide injunction, blocking the CFPB from enforcing its small-business lending data collection rule until the Supreme Court decides the bureau’s constitutionality issue.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228984</guid>
      <pubDate>Mon, 02 Oct 2023 12:10:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228984-kentucky-court-imposes-nationwide-1071-injunction</link>
    </item>
    <item>
      <title>CFPB Plans to Remove Medical Bills From Credit Reports</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The effort launched with a small business advisory review panel. A proposed rule is anticipated in 2024.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228977</guid>
      <pubDate>Mon, 02 Oct 2023 12:01:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228977-cfpb-plans-to-remove-medical-bills-from-credit-reports</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>Planned Data Rights Rule Could Cover Mobile Payment</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Restrictive tap-to-pay practices at Big Tech companies could limit consumer choice and reduce market innovations, the bureau warned in a new report.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228855</guid>
      <pubDate>Mon, 18 Sep 2023 14:13:23 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228855-cfpb-report-ties-1033-rule-to-mobile-payment-ecosystem</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>CFPB Opposes Request to Expand 1071 Injunction</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The agency opposed a request to expand an injunction on implementing its small business lending data collection rule to all covered institutions. Currently the stay applies only to American Bankers Association and Texas Bankers Association members.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228775</guid>
      <pubDate>Tue, 05 Sep 2023 13:35:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228775-cfpb-pushes-back-on-request-to-expand-1071-injunction</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>
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