Regulation and Compliance

The lender group says mortgages below $100,000 routinely lose money, while LO compensation rules could prevent federal incentives from reaching originators

The appraisal management company says it is the first to complete certification for FHA’s modernized EAD platform, giving lender clients an early path toward implementation

Vought’s testimony also comes as a new poll suggests the CFPB retains broad support across party lines

Borrowers can save remaining home equity after delinquent property taxes and fees are paid

The bureau is seeking feedback on whether federal disclosure requirements raise costs, delay closings or limit access to mortgage credit

The agency says proprietary and machine-learning models do not relieve lenders of their fair lending and disclosure responsibilities

New study says VantageScore 4.0 scores five million more creditworthy borrowers than FICO Score 10T, expanding lending opportunities as the industry prepares for the GSE credit score transition

New implementation guide standardizes mortgage insurance data exchange, helping lenders, insurers and technology providers prepare systems for newer credit scoring models

Rep. Scott Fitzgerald's three-bill housing package would establish a statutory framework for releasing the GSEs while expanding construction lending and easing some TRID compliance requirements

Trade group supports lower mortgage risk weights but says broader market forces — not capital rules — drove banks' retreat from the market