News & Analysis as of August 16, 2025

Consumer Protection Laws

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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 +

CFPB signals five future publications in OMB filings

Orrick, Herrington & Sutcliffe LLP on 6/16/2025

On June 4, the Office of Information and Regulatory Affairs received five pending publications from the CFPB. The five rulemakings under consideration included: (i) Loan Originator Compensation Requirements Under the Truth in...more

District court allows CFPB to withdraw its amicus brief, but requires it to remain on docket

Orrick, Herrington & Sutcliffe LLP on 2/28/2025

On February 20, the U.S. District Court for the Southern District of New Jersey granted the CFPB’s motion to withdraw its amicus brief, but denied the Bureau’s request to strike the brief from the record. The CFPB submitted...more

CFPB Bites of the Month - 2024 Annual Review - Mortgage

Hudson Cook, LLP on 2/7/2025

In this article, we share a timeline of our monthly "bites" for 2024 applicable to the mortgage industry. There was also a flurry of last-minute action by the CFPB in the mortgage space in the waning days of the Biden...more

CFPB Takes a Stance on Home Equity Contracts

Mayer Brown on 1/24/2025

On January 15, 2025, the Consumer Financial Protection Bureau (“CPFB” or the “Bureau”) took three coordinated actions related to home equity contracts (also referred to as “home equity investments,” “home equity agreements,”...more

CFPB Issues Warning on Risks of Home Equity Contracts, Takes Legal Action to Ensure Compliance with TILA

Sheppard Mullin Richter & Hampton LLP on 1/20/2025

On January 17, 2024, the Consumer Financial Protection Bureau (CFPB) issued a report, consumer advisory, and filed an amicus brief addressing the risks associated with home equity contracts (HECs)—financial products often...more

CFPB Sues Mortgage Lender for Predatory Lending Practices in Manufacture Homes Loans

Sheppard Mullin Richter & Hampton LLP on 1/13/2025

On January 6, 2025, the CFPB filed a lawsuit against a non-bank manufactured home financing company for violations of the Truth in Lending Act and Regulation Z. The lawsuit alleges that the mortgage lender engaged in...more

Wiley Consumer Protection Download (December 13, 2021)

Wiley Rein LLP on 12/14/2021

Thank you for your interest in the Wiley Consumer Protection Download! This will be our last publication of 2021, with our bi-weekly newsletter returning in January 2022. Welcome to Wiley’s update on recent developments...more

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