News & Analysis as of August 16, 2025

Lenders

+ Follow

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

PRA to review Loan to Income flow limit rule and offers interim modification by consent

A&O Shearman on 7/22/2025

The Prudential Regulation Authority (PRA) has announced it will be reviewing the Loan to Income (LTI) flow limit requirements, following the Financial Policy Committee's (FPC) recommendation, as stated in its July financial...more

UK regulators publish joint final policy on Loan to Income flow limit in mortgage lending

A&O Shearman on 7/21/2025

The UK Prudential Regulation Authority (PRA) and the UK Financial Conduct Authority (FCA) have published joint final policy statement 11/25, finalising amendments to the PRA Rulebook and FCA Guidance (FG25/4) on the de...more

UK FCA consultation on loan to income flow limit in mortgage lending

A&O Shearman on 4/15/2025

The UK Financial Conduct Authority (FCA) has published a consultation on proposed amendments to the Prudential Regulation Authority's (PRA) rulebook and FCA guidance on the de minimis threshold for the loan to income flow...more

Summary Of HUD’s LEAN 232 Program E-Mail Blast: Office Of Residential Care Facilities (ORCF), May 2014

Troutman Pepper on 5/21/2014

In an effort to summarize the highlights of the U.S. Department of Housing and Urban Development (HUD) LEAN E-mail Blasts that we receive, and rarely have time to review in a timely fashion, we at Pepper are providing this...more

5 Results

View per page