News & Analysis as of August 17, 2025

Mortgage Lenders

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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 +

The Use of Trusts in Mortgage Loan Financing

Sheppard Mullin Richter & Hampton LLP on 6/26/2025

Trusts are being used more often for financing mortgage loans, which can be an effective way to optimize asset management and minimize lender risk. Key Benefits of Using Trusts in Mortgage Loan Financing...more

RMBS Securitisation – FAQS: What You Need to Know About the FCA Consultation on New Rules for UK Mortgages

Mayer Brown on 5/14/2025

The FCA issued a consultation paper on 7 May 2025 seeking feedback on regulatory proposals to simplify advice rules and affordability assessments for mortgages, making it easier, faster and cheaper for consumers to make...more

OCC reports improved mortgage performance in Q4 2024

Orrick, Herrington & Sutcliffe LLP on 3/31/2025

On March 24, the OCC published its Mortgage Metrics Report for the fourth quarter of 2024. The Report analyzed the performance of first-lien residential mortgage loans serviced by seven national banks in the U.S. As of...more

Blacklisted Condos: A Growing Crisis for Owners and Buyers

DarrowEverett LLP on 3/25/2025

The blacklisting of condominium/condo associations by financial institutions and insurance providers has emerged as a pressing issue in the real estate finance and housing sector. This practice, which involves lenders or...more

Consumer Finance State Roundup - March 2025

Alston & Bird on 3/7/2025

The latest edition of the Consumer Finance State Roundup highlights recently enacted measures of potential interest from two states: California: Effective January 1, California Assembly Bill 3108 addresses mortgage fraud. ...more

Maryland Mortgage Loan Purchasers Face New License Requirement

Orrick, Herrington & Sutcliffe LLP on 1/31/2025

Financial institutions that purchase mortgage loans in Maryland, including securitization trusts and other secondary market purchasers, face a new requirement to obtain a state license. The Maryland Office of Financial...more

Will New York’s New Flood Insurance Law Create a Coinsurance Problem for Lenders and Policyholders?

Bradley Arant Boult Cummings LLP on 1/27/2025

A law recently passed by the New York State Assembly and signed by Gov. Kathy Hochul puts significant limits on the flood insurance that lenders can require borrowers to purchase on loans secured by residential real property....more

Financial resilience – consumer finance firms: UK FCA finds risk governance / management shortcomings

Hogan Lovells on 10/25/2024

In the second half of 2023 and the first half of 2024, the Financial Conduct Authority (FCA) carried out a review of a sample of consumer credit firms and non-bank mortgage lenders to assess their approach to financial...more

How to Minimize Compliance Risk in the Radical New “Modern” Redlining Era

GeoDataVision on 7/25/2024

As any bank professional regulatory compliance professional knows redlining is the hottest issue today and has been since Attorney General Merrick Garland announced the “Combatting Redlining Initiative” in October 2021. Since...more

Making Lemonade from Lemons: A Mortgage Lender's Guide to Successful Loan Workouts, Part 1

Holland & Knight LLP on 5/1/2024

Although the overall economy is improving, the real estate sector continues to confront serious challenges. More than $2.2 trillion in commercial real estate debt is expected to mature before the end of 20271, and much of it...more

Nutter Bank Report: February 2024

Nutter McClennen & Fish LLP on 2/29/2024

The U.S. Department of Justice (DOJ) and state authorities have agreed to a consent order with a large national bank to resolve allegations that the bank engaged in a pattern or practice of lending discrimination by affecting...more

Nutter Bank Report: July 2023

Nutter McClennen & Fish LLP on 7/31/2023

The Federal Reserve has announced that its FedNowSM Service, a new interbank settlement service with clearing functionality to support instant payments, went live on July 20 with 35 early-adopting banks and credit unions. The...more

Financial Services Weekly Roundup: May Introduces Additions And Expansions To Covid-19-related Policies

Goodwin on 5/7/2020

In This Issue. The Board of Governors of the Federal Reserve System (Federal Reserve) expanded access to its Paycheck Protection Program Liquidity Facility (PPPLF) to non-bank lenders and expanded the collateral eligible to...more

Year in Review: Legislation and Guidance for Financial Institutions in 2016

Blake, Cassels & Graydon LLP on 1/19/2017

The regulation of federally regulated financial institutions (FRFIs) continued intensifying in 2016 with a new wave of legislative and regulatory initiatives impacting mortgage lending, the bank resolution regime, the life...more

Multi-State Mortgage Committee Issues Expectations for Use of Electronic Tools in State Examinations

Alston & Bird on 10/23/2015

On September 29, 2015, the Multi-State Mortgage Committee (MMC) and Conference of State Bank Supervisors (CSBS) issued an industry bulletin – Supervisory Expectations Regarding the Use of Electronic Examination Tools –...more

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