Regulation and Compliance

Federal regulators say the U.S. financial system remains resilient, but the latest FSOC annual report underscores a broadened approach to safeguarding stability — one that elevates economic growth and economic security alongside traditional systemic risk

State financial regulators have secured sanctions against a mortgage loan originator for violating the SAFE Act by misrepresenting completion of required education

The U.S. Senate confirmed Frank Cassidy as HUD Assistant Secretary and FHA Commissioner and Joe Gormley as Ginnie Mae president, installing two veteran housing finance leaders to advance federal mortgage market stability, access, and affordability

In his State of the Union address, Trump pledged mortgage and housing cost relief through lower interest rates, potential Fed leadership changes, and aggressive housing reforms, factors that could improve affordability and boost mortgage activity

Sen. Elizabeth Warren is seeking records to determine whether major banks violated the National Mortgage Settlement by selling supposedly extinguished second mortgages that later resurfaced as “zombie” debts leading to foreclosures

The House Financial Services Committee has passed the bipartisan Housing for the 21st Century Act, aiming to expand housing supply and improve affordability by streamlining regulations, modernizing federal programs, and increasing local flexibility

Senior Democratic lawmakers have filed an amicus brief arguing that CFPB Acting Director Russell Vought’s reinterpretation of the agency’s funding mechanism unlawfully undermines its independence and consumer protection mandate under the Dodd-Frank Act

HUD has raised the FHA forward and reverse mortgage loan limits to reflect higher home prices and preserve access to insured mortgage credit across both low- and high-cost housing markets

New executive order seeks to establish federal primacy over AI regulation by preempting state laws, creating a litigation task force to challenge conflicting statutes, and advancing a unified national framework

A bipartisan group of lawmakers has introduced the Housing for the 21st Century Act to modernize federal housing policy, reduce regulatory barriers, and increase the supply and affordability of homes nationwide