News & Analysis as of August 16, 2025

Consumer Financial Protection Bureau (CFPB)

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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 Jersey Financial Services Legislative Update

Holland & Knight LLP on 8/14/2025

This alert is part of Holland & Knight's Garden State Initiative, a firmwide effort to enhance coordination among attorneys, clients and professional networks with ties to New Jersey to foster greater collaboration across...more

New CFPB Rule Applies Mortgage Standards to Residential PACE Financing

Sheppard Mullin Richter & Hampton LLP on 12/24/2024

On December 17, 2024, the Consumer Financial Protection Bureau (CFPB) finalized a rule applying standard mortgage protections to Residential Property Assessed Clean Energy (PACE) loans. The rule amends Regulation Z to clarify...more

CFPB Issues Report on Housing Insecurity and COVID-19

Goodwin on 3/16/2021

On March 1, 2021, the Consumer Financial Protection Bureau (CFPB) issued a report titled “Housing Insecurity and the COVID-19 Pandemic” (the Report), which summarizes some of the relevant data and research on the impact of...more

CFPB Provides Guidance on Private Mortgage Insurance Cancellation and Termination Requirements

Burr & Forman on 8/17/2015

On August 4, 2015 the Consumer Financial Protection Bureau (CFPB) issued a compliance bulletin on the private mortgage insurance (PMI) cancellation and termination provisions contained in the Homeowners Protection Act (HPA)....more

CFPB Finalizes TRID’s Final Effective Date

Troutman Pepper Locke on 7/24/2015

On Tuesday, July 21, 2015, the Consumer Financial Protection Bureau (CFPB) finalized a rule that delays the effective date of the Truth in Lending Act and Real Estate Settlement Procedures Act rules integrating certain...more

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