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    <title>Information Security</title>
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      <title>IG Audit Finds CFPB Information Security Ineffective</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[The Inspector General attributed the information security issues to the loss of contractor resources and departure of agency personnel.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235823</guid>
      <pubDate>Mon, 10 Nov 2025 11:13:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235823-ig-finds-decline-in-information-security-at-cfpb</link>
    </item>
    <item>
      <title>Mixed Reaction to CFPB’s Open Banking Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Industry participants and consumer advocates separately applauded the CFPB’s Section 1033 proposal on open banking. There were also plenty of suggestions for adjustments among the thousands of comment letters submitted.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229876</guid>
      <pubDate>Tue, 16 Jan 2024 10:56:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229876-mixed-reaction-to-cfpbs-open-banking-proposal</link>
    </item>
    <item>
      <title>Chopra Pressed on Breach, Trade Group Engagement</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Republican lawmakers in the House and Senate pushed CFPB Director Rohit Chopra to share more information on a data breach at the bureau earlier this year. Members of both parties also urged Chopra to engage more with state-level banking trade groups.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229678</guid>
      <pubDate>Mon, 11 Dec 2023 16:57:07 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229678-chopra-asked-about-breach-trade-group-engagement</link>
    </item>
    <item>
      <title>State Regulators Tightening Cybersecurity Requirements</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Regulators in New York and California are stepping up their notice requirements for security incidents. California is also in the process of enhancing consumer data rights.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228914</guid>
      <pubDate>Mon, 18 Sep 2023 14:09:29 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228914-state-regulators-tightening-financial-institution-cybersecurity-requirements</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>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 Close to Issuing Rule to Prompt Open Banking</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A pending initiative on personal data rights will entail CFPB rulemaking paired with private sector standard-setting activities, allowing market developments to guide the path toward “open banking.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228180</guid>
      <pubDate>Mon, 26 Jun 2023 15:08:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228180-chopra-says-section-1033-rule-will-allow-industry-to-set-own-standards</link>
    </item>
    <item>
      <title>Republicans Lambast CFPB for Data Breach Response</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[During hearings this month, Republicans said a recent data breach at the CFPB resulted from poor cybersecurity practices. They also complained the agency took too long to inform Congress of the problem.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228166</guid>
      <pubDate>Mon, 26 Jun 2023 15:06:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228166-republicans-lambast-cfpb-for-data-breach-response</link>
    </item>
    <item>
      <title>Agencies Propose Standards for Use of AVMs, Guidance for ROVs</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB and five other federal agencies issued a joint proposed rule aiming to set quality control standards for the use of automated valuation models. Separately, regulators issued proposed guidance for reconsiderations of value.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228065</guid>
      <pubDate>Mon, 12 Jun 2023 13:24:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228065-agencies-propose-standards-for-avm-property-valuations</link>
    </item>
    <item>
      <title>CFPB Highlights Regulatory Issues Involving Chatbots</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB stressed that any use of a chatbot in customer service roles should meet financial institutions’ legal obligations. The bureau also outlined a series of problems reported in consumer complaints.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228032</guid>
      <pubDate>Mon, 12 Jun 2023 13:22:44 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228032-cfpb-says-chatbots-come-with-consumer-experience-compliance-issues</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[New APOR calculations; regulators help with LIBOR transition; CFPB puts credit reporting agencies on alert; data breach involving former CFPB employee; lender settles with Arizona AG.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/227683</guid>
      <pubDate>Mon, 01 May 2023 11:04:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/227683-other-news-in-brief</link>
    </item>
    <item>
      <title>Banks, Advocates Agree: Tech Firms' Payment Systems Pose Risks</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Banking trade groups and consumer advocates had a second opportunity to share their opinions with the CFPB on “big tech” payment systems. Their take: The payments platforms pose a lot of consumer risk and need to be regulated.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226537</guid>
      <pubDate>Mon, 19 Dec 2022 15:07:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226537-banks-consumer-advocates-say-tech-firms-payments-push-poses-risks</link>
    </item>
    <item>
      <title>Lax Data Security Could Be Unfair Practice: Bureau Guidance</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The bureau has sent notice that financial services firms need to stay on their toes regarding data security or risk violating the Consumer Financial Protection Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226143</guid>
      <pubDate>Mon, 07 Nov 2022 16:45:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226143-venable-reviews-cfpbs-data-security-expectations</link>
    </item>
    <item>
      <title>Fed: Ineffective Communication Can Hinder Compliance</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A firm’s organizational structure and the way information is shared can have implications for the likelihood of compliance problems.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226149</guid>
      <pubDate>Mon, 07 Nov 2022 16:44:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226149-fed-compliance-issues-can-arise-from-ineffective-comms-reporting-lines</link>
    </item>
    <item>
      <title>MBA, California Affiliate Seek State Privacy Law Clarifications</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The two trade groups want the California Privacy Protection Agency to clarify what behaviors are prohibited under its proposed data privacy and security rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225562</guid>
      <pubDate>Mon, 12 Sep 2022 15:21:56 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225562-mba-california-affiliate-ask-for-state-privacy-law-clarifications</link>
    </item>
    <item>
      <title>States’ Laws Can Exceed Bounds of FCRA, CFPB Says</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[In an interpretive rule, the CFPB affirmed states’ ability to enforce fair credit reporting laws that reflect challenges and risks affecting their local economies and residents.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225028</guid>
      <pubDate>Tue, 05 Jul 2022 13:21:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225028-cfpb-states-laws-can-exceed-bounds-of-fcra</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[HMDA filing period opens; CFPB issues medical debt bulletin; CFPB sues debt collectors; CFPB files amicus brief in MLA lawsuit; OIG releases quarterly work plan.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223529</guid>
      <pubDate>Tue, 18 Jan 2022 15:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223529-other-news-in-brief</link>
    </item>
    <item>
      <title>Trade Groups Call for Tech Payment System Oversight </title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The banking industry and consumer advocacy groups want regulators to ensure big tech companies operating payment-processing systems provide protections similar to those offered by the banking sector.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223401</guid>
      <pubDate>Mon, 03 Jan 2022 16:17:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223401-comments-on-payment-orders-target-consumer-protections-data-sharing</link>
    </item>
    <item>
      <title>CFPB Eyeing Big Tech, Payments and Crypto</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[CFPB Director Rohit Chopra raised concerns about how big technology companies operate their payments platforms. The regulator is also looking into risks posed by cryptocurrency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222945</guid>
      <pubDate>Mon, 08 Nov 2021 15:04:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222945-chopra-says-big-tech-and-crypto-a-dangerous-combination</link>
    </item>
    <item>
      <title>FTC Goes After Mortgage Data Company Ascension</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Trade Commission voted 3-1-1 to fine Texas-based Ascension Data & Analytics for failure to ensure its vendor was adequately securing consumers’ personal data. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/220124</guid>
      <pubDate>Mon, 04 Jan 2021 13:45:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/220124-mortgage-data-firm-slammed-by-ftc-for-data-mismanagement</link>
    </item>
    <item>
      <title>GAO Urges CFPB to Update Model Form for Disclosures</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[The CFPB said it will consider the Government Accountability Office’s recommendation, but rulemaking will involve joint efforts with other regulators. Meanwhile, institutions can themselves revise the model form on a trial basis.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/219889</guid>
      <pubDate>Mon, 07 Dec 2020 15:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/219889-gao-suggests-the-cfpb-update-model-disclosure-form-under-glba</link>
    </item>
    <item>
      <title>CFPB Considers Consumer Data Access Rulemaking</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[Section 1033 of the Dodd-Frank Act ensures consumers have access to, and the ability to leverage, data in their records. The question is how much data consumer-authorized third parties can access from bank accounts. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218734</guid>
      <pubDate>Mon, 03 Aug 2020 13:45:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218734-cfpb-considers-consumer-data-access-rulemaking</link>
    </item>
    <item>
      <title>California Proposes Final Data Privacy Regulation</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[Financial institutions are rushing to iron out any remaining compliance wrinkles before the California Consumer Privacy Act comes into effect on July 1.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218403</guid>
      <pubDate>Mon, 22 Jun 2020 13:30:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218403-california-release-final-proposed-data-privacy-regulation</link>
    </item>
    <item>
      <title>Industry Lists Data Protection as Top Priority for Task Force</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[Some trade and consumer groups also expressed concerns over the timing of the request for information, calling upon the CFPB to extend the comment period.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/218220</guid>
      <pubDate>Mon, 08 Jun 2020 13:45:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/218220-industry-lays-out-priorities-to-cfpb-task-force</link>
    </item>
    <item>
      <title>DOJ Political Appointee to Lead CFPB Enforcement</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[Thomas Ward, deputy assistant attorney general overseeing the torts branch in the civil division of the DOJ, will now serve as the CFPB’s assistant director for enforcement.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/217029</guid>
      <pubDate>Mon, 03 Feb 2020 11:40:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/217029-doj-political-appointee-tapped-lead-cfpb-enforcement</link>
    </item>
    <item>
      <title>‘Tech Sprints’ Proposed to Spur Regulatory Innovation</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[The bureau is exploring the use of “Tech Sprints,” a model used in the United Kingdom for collaborative innovation, to promote regulatory compliance innovation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/215850</guid>
      <pubDate>Mon, 23 Sep 2019 10:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/215850-cfpb-eyes-tech-sprints-to-spur-regulatory-innovation</link>
    </item>
    <item>
      <title>Other News in Brief</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/215372</guid>
      <pubDate>Mon, 29 Jul 2019 10:41:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/215372-other-news-in-brief</link>
    </item>
    <item>
      <title>GAO Asks CFPB to Examine CRAs For Data Security</title>
      <description>
        <![CDATA[A recent Government Accountability Office report suggests the CFPB prioritize data security when examining credit reporting agencies.
]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/214340</guid>
      <pubDate>Mon, 08 Apr 2019 00:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/214340-gao-asks-cfpb-to-examine-cras-for-data-security</link>
    </item>
    <item>
      <title>CFPB Issues Rules on Public Release of Loan Data in 2019</title>
      <description>
        <![CDATA[The CFPB has restricted public disclosure of certain mortgage data collected by lenders in 2018 under the Home Mortgage Disclosure Act. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/213543</guid>
      <pubDate>Mon, 14 Jan 2019 00:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/213543-cfpb-issues-rules-on-public-release-of-loan-data-in-2019</link>
    </item>
    <item>
      <title>Industry Says CFPB Should Protect Consumer Data</title>
      <description>
        <![CDATA[The CFPB should take steps to limit the data collection burden on industry and protect data security, industry groups said in response to a request for information regarding data collections.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/213544</guid>
      <pubDate>Mon, 14 Jan 2019 00:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/213544-industry-says-cfpb-should-protect-consumer-data</link>
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