Regulation and Compliance

Texas will require mortgage lenders and servicers engaging in third-party processing or underwriting to file expanded state-specific data with their quarterly NMLS Mortgage Call Reports beginning in Q1 2026

Texas-based firm adds industry veteran Kimberly Friesenhahn to strengthen client relationships and expand its national footprint among residential mortgage lenders

The GAO has reported on the CFPB’s 2025 restructuring efforts, detailing workforce cuts, halted enforcement actions, funding reductions, and ongoing litigation that could shape the agency’s ability to fulfill its statutory mission

H.R. 6644, the Housing for the 21st Century Act, aims to boost supply and affordability by streamlining federal programs, modernizing regulations, and expanding financing tools to accelerate home construction nationwide

ATTOM data shows Opportunity Zones posted home price gains in line with the broader housing market in Q4 2025, with strong appreciation occurring alongside continued affordability relative to national medians

The Mortgage Bankers Association has endorsed the bipartisan Housing for the 21st Century Act, urging House members to pass the bill to improve housing affordability, expand FHA access, and modernize federal housing programs

The reinstated federal tax deduction for mortgage insurance premiums is set to lower borrowing costs and improve affordability for buyers who put less than 20% down, while reinforcing private capital’s role in protecting the housing finance system

Congress approved, and President Trump signed, a funding package that ended a brief shutdown and reauthorized the National Flood Insurance Program to prevent disruptions in home sales and mortgage lending

A coalition of U.S. senators is urging the CFPB to withdraw a proposed rule eliminating disparate impact enforcement under ECOA, warning it would exacerbate housing affordability challenges and restrict access to credit

Fannie Mae extends its $2,500 credit for very low-income borrowers for another year, while both Fannie Mae and Freddie Mac align their manufactured housing programs to promote consistency in lending standards