CHLA’s Scott Olson examines how the next Congress could reshape housing tax breaks, lending costs, and access to homeownership — and where bipartisan deals remain possible
Only 40% of smaller lenders surveyed reported ongoing AI monitoring, compared with 80% of larger lenders, as a new state examiner guide details the records regulators may request
Court records show more than 90 loans originated through one broker using six borrower LLCs, one title agency, and two principal appraisers
Two certifications move the industry’s FRAME initiative from governance guidance toward product-level validation and implementation
Critical defect rate jumps 23.9% as math-based compliance findings expose the potential for one systemic error to affect loans across a lender’s book
As FHFA moves to give Federal Home Loan Banks more flexibility, the trade group is renewing its push to give qualified independent mortgage banks access to FHLBank membership and liquidity
Traditional protections like title insurance and closing protection letters may leave lenders exposed to significant settlement, funding, and fraud-related losses
August 6 was an important contractual checkpoint. The more consequential deadline is the day a GSE, regulator, investor, warehouse lender, or plaintiff asks the institution to produce evidence that its AI governance actually worked
Fannie Mae’s new requirements put AI oversight into practice, giving lenders a clear starting point for identifying risk and building responsible governance
Seller/servicers using artificial intelligence in origination or servicing must have formal policies, oversight, and vendor controls in place