News & Analysis as of August 17, 2025

Today's Popular Updates

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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 Bites of the Month - January 2025 - June in January with the CFPB

Hudson Cook, LLP on 2/25/2025

In this month's article, we share some of our top "bites" covered during the January 2025 webinar....more

Nutter Bank Report: July 2024

Nutter McClennen & Fish LLP on 7/31/2024

The federal banking agencies have published joint guidance for banks about risks posed by fintech companies and other third parties to deliver bank deposit products and services. The joint guidance issued on July 30...more

CFPB Enters Into Consent Order With Reverser Mortgage Lender and Broker

Ballard Spahr LLP on 5/5/2021

The CFPB recently entered into a consent order with Nationwide Equities Corporation (Nationwide), which the CFPB refers to as a mortgage broker and mortgage lender that primarily provides jumbo reverse mortgage loans and Home...more

CFPB Takes Actions to Limit COVID-19-Related Mortgage Foreclosures

Troutman Pepper Locke on 4/22/2021

On April 5, the Consumer Financial Protection Bureau (CFPB) issued a notice of proposed rulemaking (NPR) to amend Regulation Z, specifically to “prevent avoidable foreclosures” due to the COVID-19 pandemic “as the emergency...more

The Financial CHOICE Act, now closer to passage, would significantly impact the mortgage industry

Ballard Spahr LLP on 5/15/2017

On May 4 H.R. 10, the Financial CHOICE Act (the Act) introduced by House Financial Services Committee Chairman Jeb Hensarling, R-Texas, obtained enough votes to move the bill on to the House of Representatives floor. The Act...more

CFPB issues Fall 2016 Supervisory Highlights

Ballard Spahr LLP on 11/7/2016

In its Fall 2016 Supervisory Highlights, which covers supervision work generally completed between May and August 2016, the CFPB highlights violations found by its examiners involving origination and servicing of auto...more

CFPB Issues Final Rule Amending Mortgage Servicing Regulations

Ballard Spahr LLP on 8/22/2016

The Consumer Financial Protection Bureau (CFPB) issued its final rule amending the mortgage servicing rules under Regulations X and Z. The proposal for these amendments was issued in November 2014. The amended provisions...more

FTC provides 2015 enforcement report to CFPB

Ballard Spahr LLP on 6/7/2016

The Federal Trade Commission has provided its annual report to the CFPB covering the FTC’s enforcement activities in 2015 related to compliance with Regulation Z (Truth in Lending), Regulation M (Consumer Leasing), and...more

CFPB Provides Guidance on Ability-To-Repay Rule Application to Assumptions of Residential Mortgage Loans

Ballard Spahr LLP on 7/17/2014

The CFPB recently provided guidance on the application of the Regulation Z ability-to-repay rule (Section 1026.43) to assumptions of residential mortgage loans for purposes of clarifying the application of the rule in cases...more

Illinois Federal Court Rules on Dodd-Frank’s Truth in Lending Act Amendment

Goodwin on 6/12/2014

The United States District Court for the Northern District of Illinois granted summary judgment denying a putative class action suit against a mortgage servicer for alleged violations of the Truth in Lending Act concerning...more

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