Consumer Financial Protection Bureau (CFPB)

Executive order targets compliance burdens, appraisal rules, and capital standards that have reshaped the mortgage market since the financial crisis

Two executive orders target development barriers and lending rules the administration says are driving up home prices

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

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

Senior Democratic lawmakers have filed an amicus brief arguing that CFPB Acting Director Russell Vought’s reinterpretation of the agency’s funding mechanism unlawfully undermines its independence and consumer protection mandate under the Dodd-Frank Act

Mortgage compliance has entered a new “state-centric” era in which state regulators — not the CFPB — now drive oversight, enforcement, and collaboration, requiring lenders to adopt state-by-state strategies and stronger relationships with examiners