News & Analysis as of August 16, 2025

Mortgages › Public Policy

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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 +

New York Legislature Passes Bill Banning Rent Minimum Provisions in Real Estate Loan Documents

Jones Day on 7/18/2025

On June 13, both houses of New York's legislature passed a bill, S1163, that prohibits "rent minimums" in real estate secured loan documents....more

Broad Street Brief: City Council Examines HOME Initiative

Cozen O'Connor on 4/25/2025

Mayor Cherelle Parker unveiled details about the programs to be funded by her signature Housing Opportunities Made Easy (HOME) Initiative on Monday. More than 75% of the $800 million bond amount will be allocated to seven key...more

Beware of the Law of Unintended Consequences

Cadwalader, Wickersham & Taft LLP on 8/14/2024

A recent study, Government Litigation Risk and the Decline in Low-Income Mortgage Lending, provides further evidence that the law of unintended consequences reigns supreme, particularly in the realm of public policy. The...more

Cozen Currents: Is Harris the Answer?

Cozen O'Connor on 7/24/2024

The Cozen Lens - While it’s becoming ever clearer Vice President Harris is likely to be the Democratic nominee following President Biden’s decision to step aside, it’s less clear what the impact will be on the presidential...more

Nevada Supreme Court Clarifies the Litigation Waiver of the One-Action Rule

Snell & Wilmer on 9/5/2017

Nevada has a one-action rule which, with limited exceptions, requires a creditor seeking to recover a debt secured by real property to proceed against the security first prior to seeking recovery from the debtor personally....more

Arizona Anti-Deficiency Protection Cannot Be Waived

Clark Hill PLC on 6/28/2013

The Arizona appellate courts continue to reinforce Arizona's anti-deficiency law by finding that a prospective waiver of anti-deficiency protections violates public policy and is prohibited. ...more

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