News & Analysis as of August 17, 2025

Regulatory Oversight

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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 +

UK PRA publishes discussion paper on proposed reforms to IRB approach for residential mortgages

A&O Shearman on 8/13/2025

The UK Prudential Regulation Authority (PRA) has published discussion paper DP1/25 inviting views on potential reforms to the internal ratings based (IRB) approach to credit risk for residential mortgage exposures. The PRA...more

The Regulators Evolving Approach to Redlining Enforcement

GeoDataVision on 11/25/2024

During the last 15 years there have been notable changes in regulatory enforcement of potential redlining situations. This article addresses those changes....more

Regulatory Review, Reformatted

Bradley Arant Boult Cummings LLP on 12/6/2021

As 2021 runs in search of what’s new, we realize that the pandemic disruption has continued through 2021. The NMLS Ombudsman Meeting was held virtually and the upcoming American Association of Residential Mortgage Regulators...more

Guidelines for best practices in real estate enforcement proceedings

Orrick, Herrington & Sutcliffe LLP on 11/22/2017

The avalanche of bad loans that has hit Italy in recent years has drawn attention on the inefficiency of the judicial debt collection system, one of the leading causes of the banking crisis and the low prices that the banks...more

Director Cordray Responds To Letter from Senators Seeking Tailored Rulemaking for Community Banks and Credit Unions

Ballard Spahr LLP on 9/6/2016

Last month, a bipartisan group of 70 senators were signatories to a letter sent to Consumer Financial Protection Bureau (CFPB) Director Richard Cordray urging the CFPB to “carefully tailor its regulations to match the unique...more

CFPB Director Cordray Touts Success and Future Agenda

BakerHostetler on 3/14/2016

On March 9, 2016, Consumer Financial Protection Bureau (“CFPB”) Director Richard Cordray outlined the CFPB’s progress and future plans to the Consumer Bankers Association (“CBA”). Cordray touted the CFPB’s great success...more

Wells Fargo Ends Marketing Services Arrangements with Builders

Bilzin Sumberg on 8/11/2015

Concerned about “increasing uncertainty surrounding regulatory oversight of these types of arrangements,” Wells Fargo is ending all of its roughly 200 mortgage marketing services and desk rental agreements with builders and...more

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