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    <title>Payday Lending</title>
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    <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>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>Texas Court Issues Limited Injunction on Section 1071</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The temporary injunction halting the implementation of the Section 1071 final rule applies only to members of the American Bankers Association and the Texas Bankers Association.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228504</guid>
      <pubDate>Mon, 07 Aug 2023 14:13:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228504-court-issues-limited-injunction-on-section-1071</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>Supreme Court Agrees to Hear CFPB Funding Case</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A ruling against the CFPB could reshape the bureau’s funding structure and call into question every action taken by the consumer watchdog since its inception in 2011.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227132</guid>
      <pubDate>Mon, 06 Mar 2023 15:31:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227132-supreme-court-to-consider-cfpb-fundings-constitutionality-next-term</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Appraisal Foundation plans to revise ethics rule draft; CashCall faces $169 million in restitution and fines; companies not reporting credit card payment data; public benefits programs subject to fees; CFPB, FTC seek input on tenant background checks; DOJ redlining settlement.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227170</guid>
      <pubDate>Mon, 06 Mar 2023 15:16:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227170-other-news-in-brief</link>
    </item>
    <item>
      <title>CFPB in Legal Limbo as Supreme Court Ponders Taking Case</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Supreme Court justices met in private last week to consider whether to take a case involving the CFPB’s funding structure and other authorities. A decision on the case will have major ramifications for the agency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227050</guid>
      <pubDate>Tue, 21 Feb 2023 13:48:33 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227050-supreme-court-will-hear-challenge-to-cfpb-funding</link>
    </item>
    <item>
      <title>CHLA Seeks Member Exemption from Registry of Form Contracts</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Community Home Lenders of America wants small mortgage lenders to be exempt from the CFPB’s proposed registry of nonbank form contracts when their compliance burdens substantially outweigh consumer benefit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226971</guid>
      <pubDate>Tue, 21 Feb 2023 13:41:37 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226971-chla-asks-for-t-and-c-registry-exemptions-for-nonbank-mortgage-lenders</link>
    </item>
    <item>
      <title>CFPB Proposes Registry of Terms and Conditions</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau seeks to weed out one-sided terms and conditions included in contracts that consumers sign when purchasing a product or signing up for a service from a nonbank. House Financial Services Committee Chair Patrick McHenry, R-NC, slammed the proposal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226738</guid>
      <pubDate>Mon, 23 Jan 2023 14:41:48 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226738-cfpb-proposes-registry-for-nonbank-t-and-cs-waiving-consumer-protections</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Supreme Court grants extension for response to bureau appeal; CFPB slams tenant background checks; CFPB, NY AG penalize 9/11 fraudster; CFPB files enforcement action for “fake” CD accounts.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226415</guid>
      <pubDate>Mon, 05 Dec 2022 16:01:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226415-other-news-in-brief</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Broeksmit criticizes CFPB at annual MBA conference; Senate Democrats ask for remittance rule revisions; bureau reopens payment service comments; CFPB says student borrower finances worsening.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226167</guid>
      <pubDate>Mon, 07 Nov 2022 16:40:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226167-other-news-in-brief</link>
    </item>
    <item>
      <title>Appeals Court Finds CFPB’s Structure Is Unconstitutional</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Fifth Circuit Court of Appeals, in ruling on the validity of a CFPB 2017 payday lending rule, found the funding structure underlying the agency’s actions unconstitutional. Depending on the results of an appeal, it could spell serious trouble for the bureau.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226035</guid>
      <pubDate>Mon, 24 Oct 2022 15:40:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226035-appeals-court-panel-finds-cfpb-funding-structure-is-unconstitutional</link>
    </item>
    <item>
      <title>AFSA Counters CRL, Defends Installment Loans </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The American Financial Services Association defended its members following a report from the Center for Responsible Lending that criticized “high-cost installment loans.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225967</guid>
      <pubDate>Mon, 24 Oct 2022 15:35:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225967-consumer-credit-trade-group-pans-crl-report</link>
    </item>
    <item>
      <title>Analysts Debate Usefulness of Payday Loan Regulation</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[According to one study, payday loans respond to supply and demand and don’t generally march upward to state maximums. However, Georgetown law professor Adam Levitin said the study coded state loan maximums incorrectly, invalidating the findings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223783</guid>
      <pubDate>Mon, 14 Feb 2022 15:34:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223783-georgetown-professor-criticizes-study-questioning-payday-loan-regulations</link>
    </item>
    <item>
      <title>CFPB Must Require Mods on All Loan Types, Law Professors Say </title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[A new academic report calls for the CFPB to require loan modifications on all types of consumer loans using an “ability to pay” standard.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/221928</guid>
      <pubDate>Mon, 19 Jul 2021 13:10:44 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/221928-law-professors-call-on-cfpb-to-allow-affordable-modifications-on-all-consumer-loans</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>
    </item>
    <item>
      <title>Final Payday Rule Weakens Underwriting Requirements</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[It is no longer “unfair and abusive” for lenders to make short-term or longer-term balloon-payment loans without reasonably determining that consumers will have the ability to repay the loans. 
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218658</guid>
      <pubDate>Mon, 20 Jul 2020 14:45:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218658-final-payday-rule-strips-underwriting-requirements</link>
    </item>
    <item>
      <title>CFPB Rushing to Clear Rulemaking Agenda</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB is rushing to get certain rulemakings done this year as the presidential election looms. Most items on the CFPB’s to-do list have deadlines in the fall.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218498</guid>
      <pubDate>Mon, 06 Jul 2020 16:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218498-cfpb-packed-agenda-as-election-looms</link>
    </item>
    <item>
      <title>CFPB Appointees Accused of Manipulating Payday Rule</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[A former economist at the CFPB on his last day accused Trump appointees at the bureau of manipulating the research process to justify the payday lend-ing rule overhaul, according to a leaked memo.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218006</guid>
      <pubDate>Mon, 11 May 2020 11:30:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218006-political-appointees-accused-of-manipulating-payday-rewrite</link>
    </item>
    <item>
      <title>Rep. Waters to Continue Oversight of CFPB</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[The House Financial Services Committee will continue to provide oversight of CFPB activity, according to the panel’s fall priorities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/215734</guid>
      <pubDate>Mon, 09 Sep 2019 10:18:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/215734-rep-waters-to-continue-oversight-of-cfpb</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/215644</guid>
      <pubDate>Mon, 26 Aug 2019 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/215644-other-news-in-brief</link>
    </item>
    <item>
      <title>Dem State AGs Warn CFPB About Delay in Payday Rule </title>
      <description>
        <![CDATA[More than two dozen Democratic state attorneys general have threatened to sue if the CFPB delays the compliance date for the payday lending rule or goes ahead with its proposal to rescind the rule’s underwriting protection. 
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/214213</guid>
      <pubDate>Mon, 25 Mar 2019 00:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/214213-dem-state-ags-warn-cfpb-about-delay-in-payday-rule</link>
    </item>
    <item>
      <title>Kraninger Grilled on Fair Lending, MLA and Payday</title>
      <description>
        <![CDATA[CFPB Director Kathy Kraninger faced criticism from Democrats on the Senate Committee on Banking, Housing, and Urban Affairs about recent bureau activities related to fair lending sanctions, the Military Lending Act examination and the new payday lending rule proposal.
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/214209</guid>
      <pubDate>Mon, 25 Mar 2019 00:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/214209-kraninger-grilled-on-fair-lending-mla-and-payday</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <description>
        <![CDATA[CFPB Releases Small Entity Compliance Guide for Payday Rule; CFPB Updates List of Rural and Under-served Counties; CFPB Seeks Assistant Director for the Office of Regulations. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/213777</guid>
      <pubDate>Mon, 25 Feb 2019 00:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/213777-other-news-in-brief</link>
    </item>
    <item>
      <title>Otting Supports Payday Proposal; Dems Say No</title>
      <description>
        <![CDATA[The payday lending rule proposal released early this month has sparked different reactions from CFPB watchers.
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/213774</guid>
      <pubDate>Mon, 25 Feb 2019 00:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/213774-otting-supports-payday-proposal-dems-say-no</link>
    </item>
    <item>
      <title>CFPB Targets Payday Lenders; Waters’ Inquiry</title>
      <description>
        <![CDATA[The CFPB has entered into a settlement with a group of offshore payday lenders who allegedly engaged in deceptive and unfair marketing and billing activities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/213686</guid>
      <pubDate>Mon, 11 Feb 2019 00:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/213686-cfpb-targets-payday-lenders-waters-inquiry</link>
    </item>
    <item>
      <title>Payday Proposal Gets Rid of Underwriting Requirement</title>
      <description>
        <![CDATA[The CFPB may scrap the underwriting requirements of its 2017 payday lending rule, according to a proposal released last week. In the meantime, the rule’s compliance date has been pushed back to Nov. 19, 2020, from Aug. 19, 2019.
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/213679</guid>
      <pubDate>Mon, 11 Feb 2019 00:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/213679-payday-proposal-gets-rid-of-underwriting-requirement</link>
    </item>
    <item>
      <title>Court Stays Compliance Date of Payday Rule Pending Rulemaking</title>
      <description>
        <![CDATA[Lenders no longer need to start complying with the CFPB’s payday-lending rule on Aug. 19, 2019, a judge ruled. In an unexpected development, Judge Lee Yeakel of the U.S. District Court for the Western District of Texas Austin Division last week reversed his prior orders that denied the request to delay the compliance date of the payday rule. The case was filed by two industry groups – Community Financial Services Association of America and Consumer Service Alliance of Texas ...]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/213017</guid>
      <pubDate>Mon, 12 Nov 2018 00:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/213017-court-stays-compliance-date-of-payday-rule-pending-rulemaking</link>
    </item>
    <item>
      <title>CFPB Settles ‘Abuse’ Claim, but Then Says it May Refine the Term</title>
      <description>
        <![CDATA[The CFPB recently settled with a Tennessee-based payday lender for debt-collection practices, finding some of its activities were “abusive.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/212885</guid>
      <pubDate>Mon, 29 Oct 2018 00:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/212885-cfpb-settles-abuse-claim-but-then-says-it-may-refine-the-term</link>
    </item>
    <item>
      <title>CFPB Narrows Scope of Pending Rulemaking on Payday Lending</title>
      <description>
        <![CDATA[The CFPB said it will focus on ability-to-repay provisions as it tries to overhaul its controversial rule on payday, title and high-cost installment lending.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/212889</guid>
      <pubDate>Mon, 29 Oct 2018 00:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/212889-cfpb-narrows-scope-of-pending-rulemaking-on-payday-lending</link>
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