News & Analysis as of August 17, 2025

Real Estate Market

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The term "mortgage" typically refers to a mortgage loan. A mortgage loan is a financing instrument where an individual or business borrows money to purchase property (usually real property) and... more +

HUD Rescinds Various FHA Mortgage Loan Requirements

Ballard Spahr LLP on 7/11/2025

Recently the U.S. Department of Housing and Urban Development (HUD) rescinded various FHA mortgage loan requirements in a series of five Mortgagee Letters....more

New Policies From FHA and FHFA Allow Borrowers to Challenge Property Appraisals

Troutman Pepper Locke on 5/3/2024

On May 1, the Federal Housing Administration (FHA), and the Federal Housing Finance Agency (FHFA) announced new policies that will allow borrowers to challenge property appraisals they believe to be inaccurate or biased....more

CFPB Director Chopra Publicly Challenges The Appraisal Foundation’s Governance Structure and Transparency

Troutman Pepper Locke on 3/21/2024

On March 18, Rohit Chopra, Director of the Consumer Financial Protection Bureau (CFPB), submitted comments to the Appraisal Subcommittee (ASC) regarding its oversight of The Appraisal Foundation. Director Chopra, who serves...more

FHFA Again Addresses Underutilization of Appraisal Time Adjustments

Ballard Spahr LLP on 1/22/2024

The Federal Housing Finance Agency (FHFA) recently published another FHFA Insights blog post addressing the underutilization of appraisal time adjustments by appraisers that is a companion to an FHFA Insights blog post that...more

Real Property, Financial Services, & Title Insurance Update: Week Ending January 24, 2020

Carlton Fields on 2/4/2020

Real Property Update - Quiet Title / Motion to Dismiss: Trial court not permitted to consider or take judicial notice of amended lis pendens and partial release of mortgage that were outside the counterclaim to which a...more

Treasury Recommends Sweeping Industry Changes for Mortgage Lenders and Servicers

Ballard Spahr LLP on 8/17/2018

As covered earlier this week in a legal alert, the U.S. Department of the Treasury issued a report recommending sweeping regulatory changes for consumer financial services. Within the report, the Treasury also recommended a...more

CFPB Proposes Changes to Higher-Priced Mortgage Loans Exemption Threshold

Ballard Spahr LLP on 8/5/2016

On August 4, 2016 the CFPB published for comment proposed substantive and organizational changes to the Regulation Z Commentary regarding the calculation of the annual exemption threshold amount for the special appraisal...more

Orrick's Financial Industry Week In Review

Orrick, Herrington & Sutcliffe LLP on 8/2/2016

Agencies Issue Proposal on Method to Adjust Threshold for Exempting Small Loans from Special Appraisal Requirements - On July 22, 2016, the Consumer Financial Protection Bureau, the Federal Reserve Board and the Office...more

Financial Services Bulletin: Action At Federal Agencies

Perkins Coie on 12/23/2013

Agencies Adopt Final Rules Exempting Certain Higher-Price Mortgage Loans from Appraisal Requirements - On Thursday, December 12, 2013, the Federal Reserve Board, the Consumer Financial Protection Bureau, the Federal...more

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