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    <title>Enforcement</title>
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    <item>
      <title>MV Realty Settles Lawsuit Over Deceptive Marketing</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The real estate brokerage agreed to pay $2.25 million and change its marketing to settle a lawsuit brought by the Massachusetts attorney general’s office.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236946</guid>
      <pubDate>Mon, 23 Mar 2026 16:12:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236946-ma-ag-settles-with-mv-realty</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>States Expected to Increase Enforcement Activity</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Industry attorneys see 2025 as a “ramp up period” as certain states look to fill the federal enforcement void.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236871</guid>
      <pubDate>Mon, 09 Mar 2026 13:08:30 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236871-states-charge-full-speed-ahead-on-enforcement-in-2026</link>
    </item>
    <item>
      <title>UWM Asks Court to Strike Claims in RESPA Lawsuit</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The lender urged the court to dismiss charges under the Real Estate Settlement Procedures Act and state consumer protection laws in a 2024 class-action lawsuit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236348</guid>
      <pubDate>Mon, 12 Jan 2026 16:04:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236348-uwm-asks-court-to-strike-remaining-lawsuit-allegations</link>
    </item>
    <item>
      <title>NCRC Rolls Out Fair Lending Tip Line</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Consumers can submit confidential tips to the NCRC related to potential violations of fair lending laws. The information may then be used by the consumer advocate to investigate claims of lending discrimination.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236197</guid>
      <pubDate>Mon, 22 Dec 2025 11:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236197-ncrc-rolls-out-fair-lending-tip-line</link>
    </item>
    <item>
      <title>CFPB Terminates More Consent Orders Ahead of Schedule</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB this month ended consent orders against four companies, including Apple and U.S. Bank, citing payments of penalties, among other reasons.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235420</guid>
      <pubDate>Mon, 29 Sep 2025 13:50:39 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235420-cfpb-ends-apple-us-bank-consent-orders-early</link>
    </item>
    <item>
      <title>CFPB’s 2023 RESPA Guidance Remains in Effect</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Some guidance documents tied to the Real Estate Settlement Procedures Act were not among the dozens of guidance documents withdrawn by the CFPB earlier this year.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235466</guid>
      <pubDate>Mon, 29 Sep 2025 13:45:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235466-cfpb-regulatory-changes-prompt</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>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>Without Much Fanfare, CFPB Ends 22 Enforcement Actions</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Cases in which the bureau is seeking to terminate its consent order early or has sought to vacate are tied to Wise US, Toyota Motor Credit Corp., Townstone Financial and Trustmark National Bank.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234496</guid>
      <pubDate>Mon, 09 Jun 2025 14:36:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234496-cfpb-silently-terminates-enforcement-actions</link>
    </item>
    <item>
      <title>CFPB Disburses Restitution Checks Following Nudge From AGs</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The restitution checks are tied to a $4.2 million settlement reached in 2023 with Prehired for engaging in illegal student lending services.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234475</guid>
      <pubDate>Mon, 09 Jun 2025 14:34:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234475-cfpb-sends-out-restitution-checks-after-delays</link>
    </item>
    <item>
      <title>White House Orders End of Disparate-Impact Analysis</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The executive order aligns with the bureau’s 2025 supervision and enforcement priorities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234117</guid>
      <pubDate>Mon, 28 Apr 2025 14:30:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234117-executive-order-looks-to-eliminate-use-of-disparate-impact-liablity</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[District court denies request from CFPB to pause litigation against Comerica Bank; CFPB drops lawsuit against Zelle; lawsuits involving Military Lending Act moving forward; CFPB stays on case with state AGs; CFSA seeks ruling from Supreme Court on payday loan rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233739</guid>
      <pubDate>Mon, 17 Mar 2025 14:20:29 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233739-other-news-in-brief</link>
    </item>
    <item>
      <title>CFPB Files First Lawsuit Tied to ATR Violations</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The lawsuit accuses Vanderbilt Mortgage of originating loans without making a reasonable, good faith determination of the borrower’s ability to repay the loan. The legal action is likely to be re-evaluated under a new CFPB director, according to Sheppard Mullin attorneys.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233179</guid>
      <pubDate>Tue, 21 Jan 2025 13:20:17 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233179-cfpb-files-first-atr-lawsuit-against-vanderbilt-mortgage</link>
    </item>
    <item>
      <title>CFPB Highlights Servicing Issues Following Death, Divorce</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bureau said many homeowners reported that their servicers pushed them to take on new, higher-interest loans instead of keeping their existing mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233040</guid>
      <pubDate>Mon, 06 Jan 2025 15:54:08 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233040-cfpb-says-servicers-stir-up-problems-for-homeowners-after-death-divorce</link>
    </item>
    <item>
      <title>Fair Lending Will Remain a Focus for NCUA in 2025</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The National Credit Union Administration’s Division of Fair Lending Supervision next year will focus on credit unions that have recently expanded into underserved areas.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232963</guid>
      <pubDate>Mon, 16 Dec 2024 15:50:06 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232963-fed-regulators</link>
    </item>
    <item>
      <title>CFPB Fines Navy Federal Over Overdraft Practices</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The credit union agreed to pay $95 million in consumer refunds and fines to resolve a CFPB investigation that found the company illegally charged overdraft fees.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232640</guid>
      <pubDate>Mon, 18 Nov 2024 14:33:56 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232640-navy-federal-credit-union-enters-105-million-settlement-with-cfpb</link>
    </item>
    <item>
      <title>Apple, Goldman to Pay $90M To Settle CFPB Investigation</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The companies were accused by the CFPB of mishandling credit card disputes and misleading consumers about payment options.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232516</guid>
      <pubDate>Mon, 04 Nov 2024 13:02:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232516-cfpb-fines-apple-and-goldman-sachs-for-tila-cfpa-violations</link>
    </item>
    <item>
      <title>Fairway Settles CFPB, DOJ Lawsuit Over Redlining</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[More fair lending enforcement actions and investigations could come up over the next few months ahead of potential changes in the political landscape, according to Richard Horn, co-partner at the law firm of Garris Horn.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232402</guid>
      <pubDate>Mon, 21 Oct 2024 12:57:54 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232402-cfpb-and-doj-settle</link>
    </item>
    <item>
      <title>CFPB Bans Company From Arbitrating Consumer Financial Disputes</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Ejudicate has been permanently banned by the bureau for holding arbitration proceedings for a company it received a kickback from.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232440</guid>
      <pubDate>Mon, 21 Oct 2024 12:55:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232440-cfpb-bans-company-from-arbitrating-consumer-financial-disputes</link>
    </item>
    <item>
      <title>Supreme Court Urged to Take Up CFPB Lawsuit on ABS</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Securities Industry and Financial Markets Association and the Structured Finance Association have urged the U.S. Supreme Court to weigh in on the lawsuit involving the CFPB and student loan ABS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232311</guid>
      <pubDate>Mon, 07 Oct 2024 15:40:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232311-supreme-court-urged-to-review-decision-authorizing-cfpb-authority-over-student-loan-abs</link>
    </item>
    <item>
      <title>CFPB Warns Medical Debt Collectors of FDCPA Violations</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Debt collectors collecting on already-paid medical bills, bills that contain false or incorrect medical charges or bills that exceed federal and state limits are in violation of the Fair Debt Collection Practices Act, the CFPB reminded servicers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232258</guid>
      <pubDate>Mon, 07 Oct 2024 15:36:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232258-cfpb-warns-medical-debt-collectors-of-fdcpa-violations</link>
    </item>
    <item>
      <title>CFPB Bans Navient From Student Loan Servicing</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The consent order agreed to by the parties requires Navient to pay $120 million in consumer redress and fines.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232126</guid>
      <pubDate>Mon, 23 Sep 2024 14:42:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232126-cfpb-bans-repeat-offender-navient-from-student-loan-servicing</link>
    </item>
    <item>
      <title>CFPB Fines VA Lender Over Illegal Cash-Out Refis</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB claimed NewDay lured VA borrowers into cash-out refi mortgages by hiding the true costs of the loans. The lender agreed to a consent order without admitting any wrongdoing, adding that the “outcome highlights an environment of regulatory overreach.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232005</guid>
      <pubDate>Mon, 09 Sep 2024 14:46:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232005-cfpb-fines-newday-usa-for-deceiving-borrowers-on-refinance-costs</link>
    </item>
    <item>
      <title>CFPB Orders Fay Servicing to Pay $5M Over Illegal Foreclosures</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[In addition to a monetary fine, the CFPB has put compensation limits on Fay Servicing’s CEO if the compliance requirements are not met.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231925</guid>
      <pubDate>Mon, 26 Aug 2024 14:10:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231925-fay-servicing-settles-with-cfpb-on-enforcement-action</link>
    </item>
    <item>
      <title>CFPB Warns Companies on Nondisclosure Agreements</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bureau said some companies may be in violation of the CFPA if they include language in their non-disclosure agreements that discourage employees from reporting illegal misconduct.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231672</guid>
      <pubDate>Mon, 29 Jul 2024 14:38:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231672-cfpb-circular-sends-warning-to-companies-nondisclosure-agreements</link>
    </item>
    <item>
      <title>CFPB Dives Into Gaps in HMDA Data Reporting</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bureau found increasing instances of inaccurate reporting under the Home Mortgage Disclosure Act. Two lenders also faced fines recently.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231493</guid>
      <pubDate>Mon, 15 Jul 2024 14:11:48 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231493-cfpb-dives-into-gaps-by-lenders-servicers-in-hmda-data-reporting</link>
    </item>
    <item>
      <title>Fifth Third to Pay $20 Million in Settlement With CFPB</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The settlement resolves a new enforcement action against the bank for illegal auto loan activities as well as a 2020 lawsuit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231507</guid>
      <pubDate>Mon, 15 Jul 2024 14:07:52 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231507-fifth-third-banks-agrees-to-20-million-settlement-with-cfpb</link>
    </item>
    <item>
      <title>Freedom Agrees to $4 Million Settlement Over HMDA Case </title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The nonbank lender has faced numerous actions from the CFPB since 2019 for alleged intentional misreporting of HMDA data.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231376</guid>
      <pubDate>Mon, 01 Jul 2024 12:18:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231376-cfpb-issues-final-judgement-on-freedom-mortgage-for-hmda-violations</link>
    </item>
    <item>
      <title>Three Reverse-Mortgage Servicers Banned for Life </title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Sutherland Global denies all allegations by the CFPB and said it was not “directly responsible for the reverse mortgage servicing conduct that is subject of the CFPB agreement.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231386</guid>
      <pubDate>Mon, 01 Jul 2024 12:17:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231386-cfpb-bans-three-reverse-mortgage-servicers</link>
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