Regulation and Compliance

Place-based market risk can produce dramatically different default outcomes among borrowers with nearly identical credit profiles

The former MBA policy executive would oversee FHA underwriting, servicing, and credit-score changes that directly affect lenders and borrowers

Plan could ease reviews of lower-risk mortgage technology while preserving lender responsibility for vendor failures

Lenders will gain competing modern scoring options, but borrowers may not see both offered everywhere

Pulte’s comments could signal either fewer bureau reports or a portable report borrowers could share among lenders, but FHFA has not clarified which approach it is studying

Outside counsel’s fabricated citations expose a third-party oversight risk for mortgage servicers, trustees, and investors

Proposed G-TALF facility could help prevent a servicing cash crunch from constraining FHA, VA, and USDA lending

Pulte removes 50-lender cap while considering bi-merge and single-bureau reports as additional ways to reduce mortgage costs

HUD’s proposed rollback of housing protections could deepen barriers for underserved borrowers, shrink the pool of prospective homebuyers, and ultimately cost loan originators business

Two certifications move the industry’s FRAME initiative from governance guidance toward product-level validation and implementation