https://www.insidemortgagefinance.com/rss en-us sclark@imfpubs.com A California district court dismissed certain claims under the Comprehensive Computer Data Access and Fraud Act, finding that the plaintiff lacked standing. http://www.insidemortgagefinance.com/articles/237868 Mon, 29 Jun 2026 11:51:10 -0400 https://www.insidemortgagefinance.com/articles/237868-lender-granted-some-leeway-in-website-tracking-lawsuit sclark@imfpubs.com Three states have enacted legislation to prohibit denials of divorce- triggered mortgage assumptions. Similar statutes are likely to follow in other states. http://www.insidemortgagefinance.com/articles/237716 Mon, 15 Jun 2026 12:04:00 -0400 https://www.insidemortgagefinance.com/articles/237716-states-block-denials-on-divorce-triggered-mortgage-assumptions sclark@imfpubs.com Mortgage borrowers urged the high court to weigh in on federal preemption, once again, saying a circuit court split involving interest payments on funds in mortgage escrow accounts heightens the stakes. http://www.insidemortgagefinance.com/articles/237746 Mon, 15 Jun 2026 12:02:00 -0400 https://www.insidemortgagefinance.com/articles/237746-scotus-urged-to-revisit-federal-preemption sclark@imfpubs.com Illinois-based X-PERT Mortgage and its president had their mortgage licenses taken away by the state for allegedly hiring an unlicensed loan officer. http://www.insidemortgagefinance.com/articles/237580 Mon, 01 Jun 2026 11:05:00 -0400 https://www.insidemortgagefinance.com/articles/237580-illinois-pulls-lending-licenses-over-fraud-issues sclark@imfpubs.com The former director of the CFPB will lead California’s new Business and Consumer Services Agency, which will launch July 1. http://www.insidemortgagefinance.com/articles/237480 Mon, 18 May 2026 16:00:37 -0400 https://www.insidemortgagefinance.com/articles/237480-chopra-tapped-to-lead-new-california-agency sclark@imfpubs.com The changes are part of the Conference of State Bank Supervisors’ ongoing efforts to improve the NMLS user experience and respond to user feedback. http://www.insidemortgagefinance.com/articles/237450 Mon, 18 May 2026 15:24:43 -0400 https://www.insidemortgagefinance.com/articles/237450-csbs-makes-major-updates-to-nmls sclark@imfpubs.com The new standards for fair lending enforcement are set to take effect in July. Industry attorneys have warned that the changes to ECOA regulations don’t signal the end of fair lending risk for lenders. http://www.insidemortgagefinance.com/articles/237340 Mon, 04 May 2026 15:09:31 -0400 https://www.insidemortgagefinance.com/articles/237340-fair-lending-still-alive-under-cfpb-ecoa-rule sclark@imfpubs.com With the Trump administration working under CRA requirements set in 1995, fair housing advocates asked states to step up and implement their own CRA laws. http://www.insidemortgagefinance.com/articles/237230 Mon, 20 Apr 2026 15:30:19 -0400 https://www.insidemortgagefinance.com/articles/237230-states-asked-to-hone-in-on-cra-implementation sclark@imfpubs.com A California district court upheld a plaintiff’s California Consumer Privacy Act claim against PHH Mortgage for sharing his personal information without his consent. http://www.insidemortgagefinance.com/articles/237226 Mon, 20 Apr 2026 15:27:25 -0400 https://www.insidemortgagefinance.com/articles/237226-district-court-ruling-could-signal-more-ccpa-litigation sclark@imfpubs.com A senior official at NYDFS said the state regulator isn’t trying to fit buy now, pay later loans into an outdated regulatory box, but is trying to ensure the framework reflects the product as it actually exists today. http://www.insidemortgagefinance.com/articles/237124 Mon, 06 Apr 2026 11:10:00 -0400 https://www.insidemortgagefinance.com/articles/237124-nydfs-moves-closer sclark@imfpubs.com Sheila Oliver, deputy commissioner at the California Department of Financial Protection and Innovation, advised mortgage companies to have strong monitoring systems to verify per diem interest after loan closing and detect any adverse events impacting their systems. http://www.insidemortgagefinance.com/articles/236995 Mon, 23 Mar 2026 16:11:41 -0400 https://www.insidemortgagefinance.com/articles/236995-compli sclark@imfpubs.com Industry attorneys see 2025 as a “ramp up period” as certain states look to fill the federal enforcement void. http://www.insidemortgagefinance.com/articles/236871 Mon, 09 Mar 2026 13:08:30 -0400 https://www.insidemortgagefinance.com/articles/236871-states-charge-full-speed-ahead-on-enforcement-in-2026 sclark@imfpubs.com If enacted as proposed, the rule would impose substantial regulatory requirements onto buy now, pay later providers. http://www.insidemortgagefinance.com/articles/236864 Mon, 09 Mar 2026 13:06:36 -0400 https://www.insidemortgagefinance.com/articles/236864-ny-proposes-sweeping-bnpl-regulations sclark@imfpubs.com The Foundation Against Intolerance and Racism claimed that a Washington state special purpose credit program violated a clause of the 14th Amendment by using race-based criteria for eligibility. http://www.insidemortgagefinance.com/articles/236709 Mon, 23 Feb 2026 16:06:50 -0500 https://www.insidemortgagefinance.com/articles/236709-district-court-upholds-washington-spcp sclark@imfpubs.com The National Consumer Law Center said the proposals will reduce price transparency, create an unlevel playing field and will make homeownership more expensive for consumers. http://www.insidemortgagefinance.com/articles/236609 Mon, 09 Feb 2026 16:14:16 -0500 https://www.insidemortgagefinance.com/articles/236609-consumer-advocates-call-for-withdrawal-of-occ-preemption-proposals sclark@imfpubs.com The new rule codifies financial institutions’ existing obligations under the state antidiscrimination law. http://www.insidemortgagefinance.com/articles/236555 Mon, 09 Feb 2026 16:11:27 -0500 https://www.insidemortgagefinance.com/articles/236555-nj-enacts-new-disparate-impact-regulations sclark@imfpubs.com CSBS President Brandon Milhorn said the new data standard will help reduce mortgage lending compliance costs, giving companies the flexibility to make more loans. http://www.insidemortgagefinance.com/articles/236466 Mon, 26 Jan 2026 11:09:07 -0500 https://www.insidemortgagefinance.com/articles/236466-mismo-csbs-push-industry-to-adopt-mcd-20 sclark@imfpubs.com New York will soon start evaluating nonbank mortgage lenders on how well they meet the credit needs of the communities that they serve. http://www.insidemortgagefinance.com/articles/236433 Mon, 26 Jan 2026 11:08:08 -0500 https://www.insidemortgagefinance.com/articles/236433-new-york sclark@imfpubs.com While innovation and regulation are often thought of as in tension, industry participants suggest that with artificial intelligence, the two factors can work together. http://www.insidemortgagefinance.com/articles/236475 Mon, 26 Jan 2026 11:06:12 -0500 https://www.insidemortgagefinance.com/articles/236475-industry-experts-promote sclark@imfpubs.com The organization that represents state mortgage regulators supports a request from the MBA for a grace period for initial filing of Mortgage Call Report Version 7. http://www.insidemortgagefinance.com/articles/236212 Mon, 22 Dec 2025 11:05:00 -0500 https://www.insidemortgagefinance.com/articles/236212-aarmr-backs sclark@imfpubs.com The court determined that when used retroactively, the new state foreclosure-protection law in New York doesn’t interfere with mortgage lenders’ due process rights. http://www.insidemortgagefinance.com/articles/236047 Mon, 08 Dec 2025 15:55:38 -0500 https://www.insidemortgagefinance.com/articles/236047-appeals-court-rules-ny-fapa-applies-retroactively sclark@imfpubs.com A Maryland court ruled that Lakeview Loan Servicing and Nationstar Mortgage are subject to state prohibitions against charging convenience fees for monthly mortgage payments via phone. http://www.insidemortgagefinance.com/articles/236052 Mon, 08 Dec 2025 15:52:39 -0500 https://www.insidemortgagefinance.com/articles/236052-court-holds-servicers-liable-in-convenience-fee-lawsuit sclark@imfpubs.com The Mortgage Bankers Association and a local trade group said imposing Community Reinvestment Act requirements on nonbanks isn’t the way to address the barriers to homeownership. http://www.insidemortgagefinance.com/articles/235927 Mon, 24 Nov 2025 12:01:34 -0500 https://www.insidemortgagefinance.com/articles/235927-mba-opposes-nj-cra-legislation sclark@imfpubs.com Several complaint categories saw significant increases on a quarter-to-quarter basis, while grievances tied to student loans dropped. (Includes two data tables.) http://www.insidemortgagefinance.com/articles/235859 Mon, 10 Nov 2025 11:19:55 -0500 https://www.insidemortgagefinance.com/articles/235859-student-loan-complaints-fall-in-third-quarter sclark@imfpubs.com The trade group called for clear federal guidance on existing laws to provide regulatory certainty and facilitate the adoption of artificial intelligence by the mortgage industry. http://www.insidemortgagefinance.com/articles/235797 Mon, 10 Nov 2025 11:16:00 -0500 https://www.insidemortgagefinance.com/articles/235797-mba-seeks sclark@imfpubs.com The bureau’s new interpretive rule could call into question the legality of state laws that aim to ban medical debt and other information from credit reports. http://www.insidemortgagefinance.com/articles/235835 Mon, 10 Nov 2025 11:15:01 -0500 https://www.insidemortgagefinance.com/articles/235835-cfpb-says-fcra-preempts-state-credit-reporting-laws sclark@imfpubs.com The Mortgage Bankers Association is concerned that New York’s Community Reinvestment Act plans will place restrictive limits on CRA credit for purchased loans. http://www.insidemortgagefinance.com/articles/235683 Mon, 27 Oct 2025 15:08:50 -0400 https://www.insidemortgagefinance.com/articles/235683-mortgage-trade-groups-pushback-again-on-ny-cra-rule sclark@imfpubs.com The Conference of State Bank Supervisors is working on building common standard examination programs for the states to use as federal enforcement activity diminishes. http://www.insidemortgagefinance.com/articles/235573 Mon, 13 Oct 2025 16:38:52 -0400 https://www.insidemortgagefinance.com/articles/235573-states-look-to-coordinate-enforcement-as-federal-efforts-lessen sclark@imfpubs.com The emergency law provides borrowers impacted by the January wildfires up to 12 months of mortgage forbearance. http://www.insidemortgagefinance.com/articles/235535 Mon, 13 Oct 2025 16:35:59 -0400 https://www.insidemortgagefinance.com/articles/235535-california-enacts-mortgage-forbearance-act-for-wildfire-relief sclark@imfpubs.com The Supreme Court’s decision last year in Cantero v. Bank of America is trickling down to lawsuits in lower courts, including a decision in a case about interest on mortgage escrow accounts. Cantero v. Bank of America is trickling down to lawsuits in lower courts, including a decision in a case about interest on mortgage escrow accounts.]]> http://www.insidemortgagefinance.com/articles/235434 Mon, 29 Sep 2025 13:58:33 -0400 https://www.insidemortgagefinance.com/articles/235434-mortgage-escrow-lawsuit-returns-after-scotus-decision