<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:media="http://search.yahoo.com/mrss/">
  <channel>
    <title>Servicing</title>
    <description>
      <![CDATA[Description+goes+here]]>
    </description>
    <link>https://www.insidemortgagefinance.com/rss</link>
    <language>en-us</language>
    <item>
      <title>Court Rejects PHH’s Arguments on RESPA</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[PHH claimed that the Supreme Court’s ruling to overturn Chevron deference made the CFPB’s RESPA regulations invalid as far as civil claims filed by mortgage borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233726</guid>
      <pubDate>Mon, 17 Mar 2025 14:21:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233726-court-rejects-phhs-arguments-on-respa</link>
    </item>
    <item>
      <title>CFPB Working Toward Issuing Servicing Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB’s proposal on streamlining mortgage servicing standards will likely be issued this spring. The regulator is trying to balance loss-mitigation options and foreclosure protections.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230047</guid>
      <pubDate>Mon, 29 Jan 2024 11:54:48 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230047-cfpb-working-toward-issuing-servicing-proposal</link>
    </item>
    <item>
      <title>Supreme Court to Hear Case on Banks and Escrows</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[A split among circuit courts prompted the Supreme Court to take up a case involving banks and mortgage escrow accounts. The dispute centers on federal preemption of state requirements for financial institutions to make interest payments on funds in mortgage escrow accounts.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229294</guid>
      <pubDate>Mon, 30 Oct 2023 12:18:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229294-supreme-court-to-hear-case-on-banks-and-escrows</link>
    </item>
    <item>
      <title>State Examiners Concerned About MLO Behavior</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Attorneys recently highlighted non-compliant behavior among mortgage loan originators, including their usage of social media.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228916</guid>
      <pubDate>Mon, 18 Sep 2023 14:14:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228916-state-examiners-concerned-about-trid-violations-mlo-errors</link>
    </item>
    <item>
      <title>Industry Calls for CRA Rule Delay, Citing CFPB Uncertainty</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Bank Policy Institute and American Bankers Association have asked federal agencies to pause adoption of the Community Reinvestment Act final rule until proposed bank capital requirements are finalized and the Supreme Court decides on the CFPB’s funding mechanism.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228763</guid>
      <pubDate>Tue, 05 Sep 2023 13:34:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228763-trade-groups-request-cra-rule-delay-citing-capital-rules-1071-injunction</link>
    </item>
    <item>
      <title>CFPB Sues Installment Lender for Loan Churning</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau has accused South Carolina-based Heights Finance of targeting borrowers for their likelihood to refinance and using coercive practices to drive them into fee-laden refinancing cycles.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228747</guid>
      <pubDate>Tue, 05 Sep 2023 13:28:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228747-cfpb-sues-installment-lender-alleging-it-harvests-refi-fees</link>
    </item>
    <item>
      <title>Communication, Tech Key for Mortgage Servicers</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[An analyst at J.D. Power said servicers must proactively communicate with borrowers and offer digital channels through which consumers can easily find solutions to their problems.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228540</guid>
      <pubDate>Mon, 07 Aug 2023 14:18:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228540-jd-power-satisfaction-with-servicers-drops-in-2023</link>
    </item>
    <item>
      <title>Some Nonbanks Voluntarily Accept CFPB Oversight</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB said several nonbanks that have come under its oversight following a procedural rule issued in November 2022 are cooperating with the agency to iron out compliance problems before it’s too late.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228520</guid>
      <pubDate>Mon, 07 Aug 2023 14:16:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228520-some-nonbanks-gearing-up-for-cfpb-supervision-report-says</link>
    </item>
    <item>
      <title>Senate Hears Divided Opinions on Junk Fees</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A recent Senate subcommittee hearing on the CFPB’s efforts to rein in junk fees was deeply divided along partisan lines. Also, a former CFPB deputy director panned the administration’s work around junk fees.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228516</guid>
      <pubDate>Mon, 07 Aug 2023 14:11:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228516-senate-hearing-covers-possible-risks-and-benefits-of-junk-fees</link>
    </item>
    <item>
      <title>CFPB Sues Auto Servicer for Illegal Repossessions</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB has accused USASF Servicing of illegally disabling consumers’ vehicles, failure to refund premiums, double-billing and incorrect repossessions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228534</guid>
      <pubDate>Mon, 07 Aug 2023 14:10:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228534-cfpb-sues-auto-servicer-for-illegal-repos-other-claims</link>
    </item>
    <item>
      <title>Furnisher Not on the Hook for Credit Report Interpretation</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The Seventh Circuit held that lenders are not liable for how credit reporting agencies interpret information provided on an automated credit dispute verification form.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228340</guid>
      <pubDate>Mon, 24 Jul 2023 15:48:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228340-7th-circuit-credit-reporting-methods-dont-prove-furnisher-liability</link>
    </item>
    <item>
      <title>Junk Fee Definition Remains Nebulous, Attorney Says</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Attorney James Sandy of McGlinchey Stafford said that while there’s no legal definition of a junk fee, the CFPB has offered several examples, that can provide some lessons to financial institutions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228288</guid>
      <pubDate>Mon, 10 Jul 2023 15:05:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228288-junk-fee-definition-remains-nebulous-attorney-says</link>
    </item>
    <item>
      <title>CFPB, ACI Settle Over Erroneous Servicing Charges</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The $25 million settlement is the CFPB’s first enforcement action brought over information handling practices in processing mortgage payments. The settlement is tied to the Electronic Fund Transfer Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228258</guid>
      <pubDate>Mon, 10 Jul 2023 15:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228258-cfpb-aci-settle-over-14-million-erroneous-servicing-charges</link>
    </item>
    <item>
      <title>CFPB Fair Lending Activity Level; Focus on Tech</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau initiated 32 fair lending investigations in 2022. The most common issue leading to supervisory communication was related to mortgage origination underwriting policies and guidelines.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228261</guid>
      <pubDate>Mon, 10 Jul 2023 15:03:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228261-cfpb-upgrading-fair-lending-data-analysis-capabilities</link>
    </item>
    <item>
      <title>MBA Requests Updates to Loss-Mitigation Rules
</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In a petition filed with the CFPB, the Mortgage Bankers Association requested various changes to the Regulation X early intervention and loss-mitigation rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227909</guid>
      <pubDate>Tue, 30 May 2023 10:12:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227909-mba-requests-updates-to-loss-mitigation-rules</link>
    </item>
    <item>
      <title>Servicer Can’t Prove It Didn’t Receive QWR, Court Says</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A district court held that a borrower had provided enough evidence to show subservicer LoanCare had received a qualified written response and failed to respond as required by the Real Estate Settlement Procedures Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227928</guid>
      <pubDate>Tue, 30 May 2023 10:11:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227928-servicer-cant-prove-it-didnt-receive-qwr-court-says</link>
    </item>
    <item>
      <title>Court Bars Enforcement Action Against Ocwen</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[For the third time, a judge held that the CFPB’s claims against Ocwen Financial over alleged servicing-related violations of federal law, are barred by a 2014 consent order between the bureau and the servicer.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227803</guid>
      <pubDate>Mon, 15 May 2023 15:19:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227803-consent-order-bars-ocwen-enforcement-action-court-says</link>
    </item>
    <item>
      <title>CFPB’s Card Late Fee Proposal Faces Pushback</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Banking trade groups panned the rule as unnecessary and damaging to credit card issuers, especially smaller banks and credit unions. Michigan Democrat Rep. Rashida Tlaib has expressed “strong support” for the proposed rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227817</guid>
      <pubDate>Mon, 15 May 2023 15:16:45 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227817-credit-card-late-fee-rule-will-harm-small-issuers-industry-says</link>
    </item>
    <item>
      <title>CFPB Aims to Limit Foreclosures on Old Second Liens</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB issued an advisory opinion last week reinforcing that the Fair Debt Collection Practices Act includes protections against collections on time-barred debt, including second liens originated prior to 2008.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227667</guid>
      <pubDate>Mon, 01 May 2023 11:12:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227667-cfpb-aims-to-limit-foreclosures-on-old-second-liens</link>
    </item>
    <item>
      <title>Chopra Offers Insight Into Section 1033 Rulemaking</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[CFPB Director Rohit Chopra engaged in a live question-and-answer session last month, acknowledging banks’ concerns about nonbank coverage and liability flows.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227417</guid>
      <pubDate>Mon, 03 Apr 2023 15:42:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227417-chopra-says-rules-may-come-on-overdrafts-expanding-1033</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>MBA Calls on CFPB to Ease Loss-Mitigation Requirements</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Regulation X loss-mitigation requirements are too burdensome and should be streamlined, the Mortgage Bankers Association said in a recent white paper.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227221</guid>
      <pubDate>Mon, 20 Mar 2023 15:14:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227221-mba-cfpb-should-ease-reg-x-loss-mit-requirements</link>
    </item>
    <item>
      <title> Regulators Looking at Servicers’ LEP Activities</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB is examining servicers on how they provide services to borrowers with limited English proficiency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227174</guid>
      <pubDate>Mon, 06 Mar 2023 15:24:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227174-agencies-increasingly-focusing-on-servicer-treatment-of-lep-borrowers</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>Mortgage Assumptions Require Unique Compliance Steps</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[State and federal regulations on assumable mortgages differ in some respects from those for new originations. And agency and investor guidelines have to be factored in too.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226542</guid>
      <pubDate>Mon, 19 Dec 2022 15:03:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226542-mortgage-assumptions-require-unique-compliance-steps-attorneys-say</link>
    </item>
    <item>
      <title>Lenders Keen to Discuss Updates on Forbearance, COVID-19 Lessons</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In responses to the CFPB’s request for information on ways to streamline refis and make loss mitigation easier to access, industry groups expressed resistance to some new ideas floated by the bureau.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226414</guid>
      <pubDate>Mon, 05 Dec 2022 16:09:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226414-lenders-keen-to-discuss-updates-on-refis-forbearance</link>
    </item>
    <item>
      <title>District Court Refuses Dismissal of PHH Dual-Tracking Allegations</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The servicer argued that the borrower hadn't returned the loan modification agreement in time. But the court said that detail was a matter of factual dispute.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226408</guid>
      <pubDate>Mon, 05 Dec 2022 16:06:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226408-district-court-refuses-dismissal-of-phh-dual-tracking-allegations</link>
    </item>
    <item>
      <title>'Pay-to-Pay' Fees Under Fire in Court and at Bureau</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[LoanCare agrees to pay $4.5 million to settle a class-action suit centered on whether “convenience” fees for paying by phone or online are allowed in West Virginia. Meanwhile, the bureau is making servicers refund fees for paying by phone. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226295</guid>
      <pubDate>Mon, 21 Nov 2022 15:29:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226295-pay-to-pay-fees-class-action-settled-cfpb-reiterates-ban</link>
    </item>
    <item>
      <title>CFPB, Carrington Settle Over CARES Act Forbearances</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau alleged that the servicer misled consumers about CARES Act forbearance and misreported information to credit agencies. Carrington says the bureau is not living up to its promise to be “flexible” with servicers who meant well. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226285</guid>
      <pubDate>Mon, 21 Nov 2022 15:26:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226285-cfpb-carrington-settle-over-cares-act-forbearances</link>
    </item>
    <item>
      <title>CFPB Details Faults in Practices of Student Loan Servicers</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau’s special supervisory highlights report cites instances of university-owned lenders withholding academic transcripts to coerce borrowers into making payments.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225900</guid>
      <pubDate>Mon, 10 Oct 2022 16:22:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225900-cfpb-warns-university-lenders-student-loan-servicers-on-consumer-harms</link>
    </item>
  </channel>
</rss>
