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Regulation and Compliance
Coming Up:
AI Vendor Audits: Why Lenders Need Them And What They Should Cover
New GSE rules are pushing mortgage lenders to conduct deeper audits of vendor AI systems beyond traditional SOC 2 reviews
Friday Harbor Receives First Mortgage AI Governance Attestation
Brody Gapp LLP compliance review comes amid growing GSE scrutiny around AI governance, vendor oversight, and mortgage lending workflows
Governing AI In The Post–Reg B World: Scorecards, Guardrails, And The Operational Architecture That Actually Holds Up
Why lenders still need strong AI governance, even after the CFPB’s Regulation B rollback
What Do ECOA Changes Mean For Mortgage Lenders?
CFPB’s 2026 ECOA update removes disparate impact liability — but lenders still face significant legal and regulatory risk
CFPB Scales Back Small Business Lending Rule, Easing Burden On Smaller Lenders
New 1,000-loan threshold limits coverage as MBA points to unfinished policy fight
AI Governance In Mortgage Banking: Moving From Policy Discussion To Regulatory Reality
As regulatory scrutiny intensifies, lenders must prove AI systems are transparent, compliant, and defensible across the mortgage lifecycle
FHA, USDA Lending Opens Up After HUD Scraps Energy Standards Rule
MBA backs move, warning prior policy raised construction costs and restricted financing for new homes
Proposed Citizenship Law Could Cut ITIN And Foreign National Borrowers Off From Bank Accounts
Proposed legislation would require banks to verify customers’ legal status, raising potential onboarding questions for lenders if enacted
CFPB Final Rule Reshapes Fair Lending Enforcement Under ECOA
Rule removes disparate impact standard, shifting focus to intentional discrimination and redefining compliance for lenders
Maine Cracks Down On Home Equity Investment Loans With First-In-Nation Law
New statute reclassifies shared appreciation agreements as mortgages, signaling broader compliance, disclosure, and investor risk shifts for lenders