Regulation and Compliance

As per a White House directive, the nation’s housing finance agencies are phasing out Anthropic’s AI tools amid security concerns and shifting to alternative platforms

New standardized data specification aims to improve efficiency, accuracy, and interoperability in FHA loan origination and digital mortgage workflows

If enacted, the new legislation would aim to streamline tariff exclusions for goods used in home construction, help stabilize material pricing, and support efforts to expand housing supply nationwide

In his 2026 State of the Union speech, President Trump spotlighted declining mortgage costs, and presented plans to increase housing supply and boost affordability

Every Mortgage Loan Originator must complete 20 hours of NMLS-approved pre-licensing education.

A group of trade associations is urging regulators to ease mortgage-related capital requirements, arguing reforms could restore bank participation in lending, servicing, and securitization, while strengthening housing affordability

HUD Secretary Scott Turner has proposed a rule requiring proof of U.S. citizenship or eligible immigration status for all residents of federally funded housing, closing longstanding eligibility loopholes and prioritizing housing assistance

Assemblyman John Harabedian’s proposed legislation would allow wildfire-impacted homeowners to pause mortgage payments for up to two years, helping prevent foreclosure as recovery and rebuilding efforts continue

NAMB has issued a white paper outlining a legislative and regulatory roadmap aimed at boosting housing supply, reducing borrower costs, and strengthening the mortgage broker channel to expand homeownership nationwide

Federal Reserve Vice Chair Michelle Bowman signaled forthcoming capital rule changes aimed at easing MSR treatment, and increasing risk sensitivity to strengthen banks’ participation in mortgage origination and servicing