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

Shifting Priorities: Bureau Memorandum Provides Insight into New Era for CFPB

Goodwin on 5/5/2025

The first 100 days of the Trump administration have included dramatic changes at the Consumer Financial Protection Bureau. The agency has retreated from many of its enforcement litigations, initiated reductions in force...more

CFPB Memo Outlines New Supervision and Enforcement Priorities for 2025

Shipkevich PLLC on 4/22/2025

On April 16, 2025, Mark Paoletta, Chief Legal Officer of the Consumer Financial Protection Bureau (CFPB or the Bureau), issued an internal memorandum to CFPB staff outlining the agency’s supervision and enforcement priorities...more

CFPB memo outlines supervision and enforcement agendas under new administration

Orrick, Herrington & Sutcliffe LLP on 4/21/2025

On April 16, the CFPB’s Chief Legal Officer, Mark Paoletta, issued a memo outlining the CFPB’s 2025 supervision and enforcement priorities, explaining that the CFPB intends to focus resources towards threats to service...more

Mortgages and the UK government’s pro-growth agenda: FCA outlines plans to refine and simplify regulatory regime

Hogan Lovells on 3/21/2025

Following the FCA’s January 2025 response to the government’s request for ideas to support its growth mission for the UK economy, the regulator has now written to the Economic Secretary to the Treasury, and released other...more

UK Financial Conduct Authority Publishes Mortgage Charter Uptake Data

A&O Shearman on 6/19/2024

The Financial Conduct Authority has published a new webpage on Mortgage Charter Uptake data. The webpage sets out the latest uptake data from firms who have signed the Government's Mortgage Charter. The Charter was introduced...more

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