<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:media="http://search.yahoo.com/mrss/">
  <channel>
    <title>Regulatory</title>
    <description>
      <![CDATA[]]>
    </description>
    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <item>
      <title>Lenders Face Complications With Non-Agency Lending</title>
      <author>azimmardi@imfpubs.com</author>
      <description>
        <![CDATA[Didi Parks, vice president of national accounts at Incenter Diligence Solutions, a third-party review firm, said it’s important that originators offering a new product ensure their staff is well trained, because if not all underwriting requirements are met, the originator could take pricing hits or might not be able to sell the loans at all.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237122</guid>
      <pubDate>Fri, 03 Apr 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237122-lenders-face-complications-with-non-agency-lending</link>
    </item>
    <item>
      <title>Bank Capital Requirement Proposal Could Slow MBS Deliveries</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Analysts suggest that the incentives in the proposals to retain mortgage originations are stronger than the incentives for banks to increase their deliveries into MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237113</guid>
      <pubDate>Thu, 02 Apr 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237113-bank-capital-requirement-proposal-could-slow-mbs-deliveries</link>
    </item>
    <item>
      <title>Capital Requirement Re-Proposal Might Not Bring Banks Back</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[A provision in the proposal would remove the requirement for banks to deduct mortgage servicing rights that reach a certain cap from common equity tier one capital and replace it with a 250% risk weighting on the assets, which might not be low enough to incentivize banks to increase their MSR holdings.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237095</guid>
      <pubDate>Wed, 01 Apr 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237095-capital-requirement-re-proposal-might-not-bring-banks-back</link>
    </item>
    <item>
      <title>MBA Urges VA to Better Align Fee Documentation With Industry Standard</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association urged VA to adopt lender-generated documentation and bulk invoicing because loan-specific invoices are often not available.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237077</guid>
      <pubDate>Mon, 30 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237077-mba-urges-va-to-better-align-fee-documentation-with-industry-standard</link>
    </item>
    <item>
      <title>VA Open to Reducing Appraisal Standards</title>
      <author>ewilley@imfpubs.com</author>
      <description>
        <![CDATA[Patrick Zondervan, executive director of the VA Loan Guaranty Service, said the agency was “absolutely willing” to examine its appraiser requirements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237071</guid>
      <pubDate>Fri, 27 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237071-va-open-to-reducing-appraisal-standards</link>
    </item>
    <item>
      <title>Short Takes: SCOTUS Rejects Potential Challenge to CFPB / UWM Touts Servicing ‘Happiness’ / Goldman Brings Another Jumbo MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Supreme Court denied a petition from Nationwide Biweekly Administration to hear an appeal of a lawsuit involving the Consumer Financial Protection Bureau.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237056</guid>
      <pubDate>Thu, 26 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237056-short-takes-scotus-rejects-potential-challenge-to-cfpb-uwm-touts-servicing-happiness-goldman-brings-another-jumbo-mbs</link>
    </item>
    <item>
      <title>HUD Launches Investigation Into Washington SPCP</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[HUD is investigating Washington State's Covenant Homeownership Program over allegations that the program violates the Fair Housing Act by imposing some eligibility restrictions based on racial descent.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237031</guid>
      <pubDate>Wed, 25 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237031-hud-launches-investigation-into-washington-spcp</link>
    </item>
    <item>
      <title>Senator Launches Investigation of FICO’s Pricing Practices</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA["An 88% operating margin and a compound annual growth rate of 100% in per-score pricing over five years are not hallmarks of a competitive market," said Sen. Josh Hawley, R-MO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237018</guid>
      <pubDate>Tue, 24 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237018-senator-launches-investigation-of-ficos-pricing-practices</link>
    </item>
    <item>
      <title>Waters Seeks Changes to Housing Bill From Senate</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Rep. Maxine Waters, D-CA, the ranking member of the House Financial Services Committee, called on Democrats in the House to seek a conference committee process for H.R. 6644, the 21st Century ROAD to Housing Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237019</guid>
      <pubDate>Tue, 24 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237019-waters-seeks-changes-to-housing-bill-from-senate</link>
    </item>
    <item>
      <title>CFPB Charts New Path With Draft Strategic Plan</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The bureau said its strategic goals were shaped by and are in alignment with President Trump’s “economic strategy and management agenda.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237020</guid>
      <pubDate>Tue, 24 Mar 2026 11:56:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237020-cfpb-charts-new-path-with-draft-strategic-plan</link>
    </item>
    <item>
      <title>Hopes for an End to GSE Conservatorship Fading </title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Changing priorities from the White House have put talks on ending the GSE conservatorship on the back burner.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237013</guid>
      <pubDate>Mon, 23 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237013-hopes-for-an-end-gse-conservatorship-fading</link>
    </item>
    <item>
      <title>Banks Happy With Capital Re-Proposals on First Glance</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[“We welcome regulators’ efforts to enable banks of all sizes to make more loans to American businesses and households, fueling economic growth while maintaining resilience in the banking system,” said trade groups representing banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237003</guid>
      <pubDate>Fri, 20 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237003-banks-happy-with-capital-re-proposals-on-first-glance</link>
    </item>
    <item>
      <title>Short Takes: Sales of New Homes Drop / Sluggish Applications / FDIC Rescinds Failed-Bank Policy</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The seasonally-adjusted annual rate of sales of new homes dropped 17.6% on a monthly basis in January.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237006</guid>
      <pubDate>Fri, 20 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237006-short-takes-sales-of-new-homes-drop-sluggish-applications-fdic-rescinds-failed-bank-policy</link>
    </item>
    <item>
      <title>Bank Regulators Look to Loosen Capital Requirements</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[One of the goals of the proposals is to help banks better compete with nonbanks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236988</guid>
      <pubDate>Thu, 19 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236988-banks-regulators-look-to-loosen-capital-requirements</link>
    </item>
    <item>
      <title>Consumer Advocates Raise Concerns About Trump’s Mortgage Plans</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The National Consumer Law Center predicted that implementing the mortgage-focused order will “re-ignite the market conditions” that led to the financial crisis of 2008.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236949</guid>
      <pubDate>Tue, 17 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236949-consumer-advocates-raise-concerns-about-trumps-mortgage-plans</link>
    </item>
    <item>
      <title>Trump Issues Executive Order to Expand Mortgage Lending</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Among other actions, the order calls for the CFPB to revise major mortgage regulation, such as the ability-to-repay and servicing rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236943</guid>
      <pubDate>Mon, 16 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236943-trump-issues-executive-order-to-expand-mortgage-lending</link>
    </item>
    <item>
      <title>Short Takes: Basel Re-Proposal Expected This Week / Fidelis Issues Its First RTL Securitization of 2026 / Older Americans Hold Larger Share of Real Estate Wealth / MBA Signals Support for New EO</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Deposit Insurance Corp. has announced a board meeting for March 19 to discuss two proposals to adjust capital requirements for banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236945</guid>
      <pubDate>Mon, 16 Mar 2026 11:55:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236945-short-takes-fdic-set-to-issue-basel-revisions-fidelis-issues-its-first-rtl-securitization-of-2026-older-americans-hold-larger-share-of-real-estate-wealth-mba-signals-support-for-new-eo</link>
    </item>
    <item>
      <title>MBA Pulls Support for Housing Bill, Seeks Changes</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The two biggest issues the MBA has with the bill in the Senate involve loan limits for FHA multifamily mortgages and provisions in an effort to limit institutional ownership of single-family properties.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236912</guid>
      <pubDate>Thu, 12 Mar 2026 11:59:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236912-mba-pulls-support-for-housing-bill-seeks-changes</link>
    </item>
    <item>
      <title>MBA, Others Seek Changes to CFPB Complaint Process</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Mortgage Bankers Association said it believes the CFPB's complaint database would be most effective if it functioned as a “secondary escalation mechanism,” available after a consumer has attempted to resolve the issue directly with the company.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236885</guid>
      <pubDate>Tue, 10 Mar 2026 11:57:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236885-mba-others-seek-changes-to-cfpb-complaint-process</link>
    </item>
    <item>
      <title>MBA Doesn't Expect Lower Interest Rates in Near Term</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[A poor jobs report and uncertainty following the launch of the Iran war have made it less likely the Federal Open Market Committee will vote for a rate cut in the near term.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236878</guid>
      <pubDate>Mon, 09 Mar 2026 11:58:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236878-mba-doesnt-expect-lower-interest-rates-in-near-term</link>
    </item>
    <item>
      <title>Non-Agency MBS Issuers Expect Benefits From Disclosure Shift</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Dallin Merrill, head of policy at the Structured Finance Association, said some larger investors can increase their investments in 144A transactions, but smaller investors still struggle.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236868</guid>
      <pubDate>Fri, 06 Mar 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236868-non-agency-mbs-issuers-expect-benefits-from-disclosure-shift</link>
    </item>
    <item>
      <title>Treasury Officials Reiterate Plans to Boost Banks</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Federal regulators are set to propose revisions to bank capital requirements and then plan to adjust liquidity requirements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236831</guid>
      <pubDate>Wed, 04 Mar 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236831-treasury-officials-reiterate-plans-to-boost-banks</link>
    </item>
    <item>
      <title>Appeals Court Looks to Address Injunction Against CFPB</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Judges on the appeals court seemed conflicted about whether the Trump administration has the authority to move forward with its plans to terminate nearly 90% of the workforce at the CFPB.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236818</guid>
      <pubDate>Tue, 03 Mar 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236818-appeals-court-looks-to-address-injunction-against-cfpb</link>
    </item>
    <item>
      <title>Short Takes: Senate Close to Vote on Housing Bill / Originations Rising at Rocket / Few Concerns About Banks / Meeting With Pulte Next Week</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Senate is poised to vote on legislation aimed at addressing housing affordability.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236808</guid>
      <pubDate>Fri, 27 Feb 2026 11:55:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236808-short-takes-senate-close-to-vote-on-housing-bill-originations-rising-at-rocket-few-concerns-about-banks-meeting-with-pulte-next-week</link>
    </item>
    <item>
      <title>Share of Complaints to CFPB Receiving Relief Drops</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[“As I understand it, large portions of the agency for much of 2025 were not working or were working in a very limited fashion, and the numbers are likely going to reflect that,” said Mike Silver, a partner at the law firm of Spencer Fane.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236758</guid>
      <pubDate>Tue, 24 Feb 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236758-share-of-complaints-to-cfpb-receiving-relief-drops</link>
    </item>
    <item>
      <title>Risks Seen in Potential Shift From Tri-Merge Process</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Using a single score or bi-merge increases the uncertainty in assessing borrower risk, with direct implications for loan pricing and underwriting decisions, according to a study by Andrew Davidson & Co.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236754</guid>
      <pubDate>Mon, 23 Feb 2026 11:56:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236754-risks-seen-in-potential-shift-from-tri-merge-process</link>
    </item>
    <item>
      <title>Fed to Propose Capital Changes for Banks, Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Fed will soon issue a proposal to loosen capital requirements for bank holdings of mortgage servicing rights and a proposal loosening capital requirements for mortgages held in portfolio by banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236685</guid>
      <pubDate>Tue, 17 Feb 2026 11:59:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236685-fed-to-propose-capital-changes-for-banks-mortgages</link>
    </item>
    <item>
      <title>House Passes Housing Bill; Eyes on Senate, Trump</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The House approved legislation this week aimed at increasing housing supply. Before the vote, President Trump called for an additional provision that wasn’t included.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236639</guid>
      <pubDate>Thu, 12 Feb 2026 11:39:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236639-house-passes-housing-bill-eyes-on-senate-trump</link>
    </item>
    <item>
      <title>Fannie's Profits Dip in 4Q on Fair Value Losses</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Profits declined by 9% compared with the third quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236649</guid>
      <pubDate>Wed, 11 Feb 2026 11:58:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236649-fannie-profits-dip-on-fair-value-losses</link>
    </item>
    <item>
      <title>House Committee Split on Next Affordable Housing Efforts</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Ranking Member Maxine Waters, D-CA, praised the House's bipartisan effort to pass the Housing for the 21st Century Act, but said one bill isn't enough to fix the housing affordability crisis.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236648</guid>
      <pubDate>Wed, 11 Feb 2026 11:57:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236648-house-hearing</link>
    </item>
  </channel>
</rss>
