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    <title>Supervision &amp; Examination</title>
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    <item>
      <title>Consumer Advocacy Group Urges CFPB to Examine Bilt</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Protect Borrowers, a consumer advocacy group, alleged that Bilt is causing harm to consumers by mishandling rent payments and disabling access to accounts as it transitions to a new credit card partner.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236953</guid>
      <pubDate>Mon, 23 Mar 2026 16:07:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236953-consumer-advocate-presses-cfpb-to-examine-bilt</link>
    </item>
    <item>
      <title>CFPB Looks Set to Resume Enforcement Activity</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Chris Willis, a partner at the law firm of Troutman Pepper Locke, said the CFPB is likely to resume investigations into pending enforcement actions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236838</guid>
      <pubDate>Mon, 09 Mar 2026 13:10:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236838-cfpb-spurs-to-life</link>
    </item>
    <item>
      <title>CFPB Likely to Shift Completely to Virtual Exams</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bureau, according to media reports, will conduct all supervisory examinations virtually in 2026.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236624</guid>
      <pubDate>Mon, 09 Feb 2026 16:25:19 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236624-cfpb-shifts-to-virtual-only-examinations-in-2026</link>
    </item>
    <item>
      <title>CFPB Institutes ‘Humility Pledge’ Reading Before Exams</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The new policy requires examiners to read out a statement before conducting company reviews, signaling a shift to more transparent, narrower exams focused on tangible consumer harm.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236040</guid>
      <pubDate>Mon, 08 Dec 2025 15:57:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236040-cfpb-institutes-humility-pledge-reading-before-exams</link>
    </item>
    <item>
      <title>CFPB Rescinds Nonbank Registry Citing Cost Burdens</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Cost and regulatory burdens were cited as reasons for rescinding a 2024 rule that would have required nonbanks to report if they had been penalized for violating consumer financial laws.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235803</guid>
      <pubDate>Mon, 10 Nov 2025 11:18:57 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235803-cfpb-scraps-nonbank-registries</link>
    </item>
    <item>
      <title>CFPB Official Says Bureau to Resume Examination Activity</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A CFPB official at a recent industry conference said the bureau is set to resume examinations within weeks. In April, the bureau said it would shift its supervision activities to depository institutions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235595</guid>
      <pubDate>Mon, 13 Oct 2025 16:41:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235595-cfpb-expected-to-restart-examinations</link>
    </item>
    <item>
      <title>CFPB Seeks to Narrow Nonbank Supervisory Authority</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The proposed rule would create narrower standard the bureau must abide by in order to designate nonbanks for agency supervision.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235197</guid>
      <pubDate>Tue, 02 Sep 2025 11:08:16 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235197-cfpb-seeks-to-narrow-nonbank-supervisory-authority</link>
    </item>
    <item>
      <title>Appeals Court Allows Trump Admin to Slash CFPB Staff</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The ruling by the appeals court allows the Trump administration to proceed with massive layoffs at the bureau. One of the three judges to hear the case dissented, arguing that the courts are shifting power from Congress to the executive branch.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235109</guid>
      <pubDate>Mon, 18 Aug 2025 13:09:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235109-appeals-court-allows-trump-admin-to-slash-cfpb-staffing</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>
    </item>
    <item>
      <title>State Regulators Creating Model Laws to Ease Burdens</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[CSBS is working on prudential standards for nonbank servicers, a framework for safeguarding sensitive information at nonbanks, and standards to modernize supervision and regulation of money transmitters.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234570</guid>
      <pubDate>Mon, 23 Jun 2025 15:12:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234570-state-regulators-boost-enforcement-tools-as-fed-wavers</link>
    </item>
    <item>
      <title>Former CFPB Employees Find Fault in New Direction</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Some of the bureau’s new enforcement and supervision priorities are lacking alignment, according to former CFPB executives.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234602</guid>
      <pubDate>Mon, 23 Jun 2025 15:05:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234602-cfpb-enforcement-and-supervision-priorities-appear-inconsistent</link>
    </item>
    <item>
      <title>Some Opposition to Consolidation of Bank Regulators</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[According to industry insiders, there is room for state and federal regulators while also supporting the independence of federal agencies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234196</guid>
      <pubDate>Mon, 12 May 2025 14:20:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234196-banking-members-push-back-against-fed-regulator-consolidation</link>
    </item>
    <item>
      <title>CFPB Realigns Supervision and Examination Priorities</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bureau intends to focus on “actual fraud,” where there are identifiable victims with measurable damages as opposed to matters based on the bureau’s perception that consumers made “wrong” choices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234069</guid>
      <pubDate>Mon, 28 Apr 2025 14:34:31 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234069-cfpb-changes</link>
    </item>
    <item>
      <title>CFPB Issues Final Rule on Supervision of Digital Payment Apps</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The transaction threshold determining which nonbanks come under the bureau’s supervision has been drastically increased, to 50 million annual transactions from 5 million proposed.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232764</guid>
      <pubDate>Mon, 02 Dec 2024 14:50:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232764-cfpb-finalizes-rule-permitting-supervision-of-digital-payment-apps</link>
    </item>
    <item>
      <title>Fed Details RESPA Escrow Account Issues at Banks</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Federal Reserve examiners found that all Real Estate Settlement Procedures Act violations it encountered at banks in 2023 were tied to escrow account requirements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232685</guid>
      <pubDate>Mon, 18 Nov 2024 14:30:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232685-fed-reports-escrow-account-requirements-as-sole-respa-violation</link>
    </item>
    <item>
      <title>Registration Opens for CFPB’s Nonbank Compliance Tracking System</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[All new covered orders must be submitted within 90 days of the order’s effective date, according to the bureau’s final rule on the registry.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232403</guid>
      <pubDate>Mon, 21 Oct 2024 12:53:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232403-registration-opens-for-cfpbs-new-nonbank-compliance-system</link>
    </item>
    <item>
      <title>CFPB Homes In on Illegal Auto Finance Practices</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The findings published in the CFPB’s latest supervisory highlights report are largely in line with previous bureau actions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232363</guid>
      <pubDate>Mon, 21 Oct 2024 12:51:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232363-cfpb-hones-in-on-illegal-auto-finance-practices</link>
    </item>
    <item>
      <title>OceanFirst Bank Settles Redlining Charges With HUD, DOJ</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bank will create a $14 million fund to boost credit access and mortgage services in areas where it allegedly engaged in redlining.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232162</guid>
      <pubDate>Mon, 23 Sep 2024 14:43:44 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232162-oceanfirst-bank-settles-with-hud-doj-in-new-jersey-redlining-investigation</link>
    </item>
    <item>
      <title>CFPB Issues Guidance on Repeat Offender Registry</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The final rule goes into effect Sept. 16, with the registration deadline for large nonbanks starting Oct. 16.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231911</guid>
      <pubDate>Mon, 26 Aug 2024 14:18:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231911-mba-urges-cfpb-to-publish-written-directives-for-registry-to-detect-repeat-corporate-offenders</link>
    </item>
    <item>
      <title>Bureau Examiners Find UDAAP Violations in Servicing</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bureau’s summer edition of Supervisory Highlights provided insight on exams involving auto loan servicing and student loan servicing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231551</guid>
      <pubDate>Mon, 15 Jul 2024 14:09:51 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231551-bureau-examiners-find-udaap-violations-in-auto-student-loan-servicing</link>
    </item>
    <item>
      <title>Mortgage Industry Disputes CFPB Report on ‘Junk Fees’</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB’s latest push on mortgage servicing fees could be the start of more to come, according to industry attorneys.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230871</guid>
      <pubDate>Mon, 06 May 2024 14:57:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230871-cfpb-pushes-back-on-mortgage-servicing-junk-fees</link>
    </item>
    <item>
      <title>CFPB Considering Shifting Cost Burden of Title Insurance to Lenders</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[A request for information is expected from the bureau as early as the end of this month.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230747</guid>
      <pubDate>Mon, 22 Apr 2024 12:17:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230747-cfpb-considering-changes-for-lenders-title-insurance</link>
    </item>
    <item>
      <title>CFPB Flexes Supervisory Authority Over Nonbank </title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB last month issued its first contested supervisory designation order against a nonbank. The bureau said other companies that had received notices consented to supervision.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230372</guid>
      <pubDate>Mon, 11 Mar 2024 14:14:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230372-cfpb-orders-first-supervisory-designation-over-world-acceptance-corporation</link>
    </item>
    <item>
      <title>CFPB Updates Procedures to Appeal Supervisory Decisions</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The update, the first in nine years, broadens the pool of CFPB officials eligible to evaluate appeals, the options for resolving appeals and the matters subject to appeals.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230268</guid>
      <pubDate>Mon, 26 Feb 2024 14:15:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230268-cfpb-issues-new-supervisory-appeals-rule</link>
    </item>
    <item>
      <title>CFPB Working on Speeding Enforcement Investigations</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB has a goal to close 65% of its enforcement investigations within two years of the start of an investigation. The agency has been nowhere near that goal in recent years.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229915</guid>
      <pubDate>Tue, 16 Jan 2024 10:55:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229915-cfpb-to-work-on-speeding-enforcement-investigations</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>State AGs Urge CFPB, OCC to Push Banks to Cooperate </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A coalition of state attorneys general filed letters to the CFPB and the Office of the Comptroller of the Currency noting that banks frequently refuse to cooperate with states’ enforcement investigations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229735</guid>
      <pubDate>Fri, 22 Dec 2023 15:07:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229735-ags-ask-cfpb-occ-to-encourage-banks-cooperation-with-state-investigations</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>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>
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