News & Analysis as of August 16, 2025

Affordable Housing

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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 +

Why Does the CFPB Disguise Important Mortgage Data?

GeoDataVision on 5/29/2025

Banks play a pivotal role in the economic wellbeing of our nation and local communities. Banks do this by being “financial intermediaries” facilitating the flow of funds between savers and borrowers. This obligation is so...more

Acting Comptroller Hood advocates for financial inclusion at conference

Orrick, Herrington & Sutcliffe LLP on 4/7/2025

On March 27, Acting Comptroller of the Currency Rodney Hood delivered remarks at a conference, emphasizing his commitment to financial inclusion for underserved communities. He described financial inclusion as a civil rights...more

OCC’s Hood discusses Project REACh on helping underserved areas

Orrick, Herrington & Sutcliffe LLP on 3/31/2025

On March 24, the OCC’s Acting Comptroller, Rodney E. Hood, delivered a speech which highlighted the OCC’s ongoing commitment to financial inclusion through Project REACh. The OCC’s Project REACh will focus on affordable...more

2024 Pre-Election Analysis: Financial Services

Mintz - ML Strategies on 10/1/2024

Financial services encompass a wide range of services offered by the nation’s financial institutions, including banking, mortgage, investment, and credit services. The next administration and Congress’s financial services...more

ISS Publishes 2021 Proxy Voting Guidelines

Goodwin on 11/19/2020

In the News. Institutional Shareholder Services (ISS) published its proxy voting guidelines updates for 2021, which include new and updated voting recommendations on federal forum and exclusive forum provisions in companies’...more

HUD Publishes HOTMA Initial Implementation Notice

Ballard Spahr LLP on 10/31/2016

HUD has issued a Federal Register Notice offering initial implementation guidance for the Housing Opportunities through Modernization Act of 2016 (HOTMA) (Pub. L. 114-201). The notice highlighted both the HOTMA provisions...more

HUD Fair Housing Guidance Raises ECOA Risk in Serving LEP Consumers

Ballard Spahr LLP on 9/26/2016

New guidance issued by the U.S. Department of Housing and Urban Development (HUD) on Fair Housing Act (FHA) protections for persons with limited English proficiency (LEP) could have reverberations under the Equal Credit...more

Banks Get Big Win in Challenge to New York Ordinance

Bilzin Sumberg on 9/28/2015

Many big cities in the United States responded to the fallout from the 2008 financial crisis by passing local laws which pressure banks to invest more in low-income neighborhoods. Between 2010 and 2013, cities such as New...more

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Mortgages › Banking Sector › Affordable Housing

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