News & Analysis as of August 16, 2025

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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 +

RegFi Episode 70: AI Risk, Regulation & the Future of Mortgage Banking

Orrick, Herrington & Sutcliffe LLP on 8/14/2025

Gabriel Acosta and Liz Facemire from the Mortgage Bankers Association join RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss how artificial intelligence — both long-standing automated underwriting tools and emerging...more

New Jersey Financial Services Legislative Update

Holland & Knight LLP on 8/14/2025

This alert is part of Holland & Knight's Garden State Initiative, a firmwide effort to enhance coordination among attorneys, clients and professional networks with ties to New Jersey to foster greater collaboration across...more

Congress Passes Homebuyer Lead Reform Bill, Limiting Mortgage Lead Sharing Under FCRA

Sheppard Mullin Richter & Hampton LLP on 8/8/2025

On August 2, the U.S. Senate passed the Homebuyers Privacy Protection Act (H.R. 2808) by unanimous consent, which amends the Fair Credit Reporting Act (FCRA) to restrict consumer reporting agencies from sharing “trigger...more

U.S. Senate passes trigger lead bill from House, heads to president

Orrick, Herrington & Sutcliffe LLP on 8/7/2025

On August 2, the U.S. Senate passed, by unanimous consent, the “Homebuyers Privacy Protection Act,” which would amend the FCRA to prohibit so-called “trigger leads” related to residential mortgage loans. If signed into law,...more

President Expected to Sign Bill to Rein In Mortgage ‘Trigger Leads’

Brownstein Hyatt Farber Schreck on 8/7/2025

Over the weekend the Senate by voice vote passed H.R. 2808, the House version of the Homebuyers Privacy Protection Act, sending the bill to President Trump for signature. The bill is led by Reps. John Rose (R-TN) and Ritchie...more

States Dialing in on Mortgage Trigger Leads

Mayer Brown on 7/3/2025

In a notable trend in state consumer financial regulation, state legislatures are increasingly seeking to regulate a variety of marketing and advertising practices, rather than limiting their regulatory focus limited to the...more

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