Regulation and Compliance

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

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