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Regulation and Compliance
Coming Up:
FHA Keeps Tri-Merge Credit Reports While Expanding Approved Scoring Models
HUD says FHA lenders will continue using three-bureau credit reports even as the agency adopts newer scoring models aimed at increasing competition and modernizing mortgage underwriting
House Passes Amended 21st Century Road To Housing Act
The House version softens a controversial provision aimed at large institutional investors
New York Cash-Home Tax Proposal Could Push Wealthy Buyers Back Into Mortgages
As all-cash deals surge nationwide, a proposed 1% levy on $1M+ purchases in NY may reshape jumbo lending, borrower strategy, and origination opportunities
The Mortgage Industry Needs Practical AI Governance, Not Just AI Ambition
MISMO’s new FRAME initiative aims to help mortgage lenders operationalize responsible AI governance across the loan lifecycle
Builders, Lenders Back Revised Housing Bill After Investor Restrictions Softened
An amended House version of the ROAD to Housing Act removes a controversial build-to-rent selloff mandate while preserving broader supply and affordability measures
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