News & Analysis as of August 16, 2025

Banking Sector

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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 +

Acting Comptroller Hood advocates for financial inclusion at conference

Orrick, Herrington & Sutcliffe LLP on 4/7/2025

On March 27, Acting Comptroller of the Currency Rodney Hood delivered remarks at a conference, emphasizing his commitment to financial inclusion for underserved communities. He described financial inclusion as a civil rights...more

Former Senator: Bankers Can’t Be Passive About Proposed CRA Rule Rollback

GeoDataVision on 3/31/2025

Yesterday, as I was writing this article the news broke about the regulators deciding they intend to rescind the 2023 CRA rule. My first reaction was to toss this article in the “trash” folder. But upon further reflection I...more

2024 Pre-Election Analysis: Financial Services

Mintz - ML Strategies on 10/1/2024

Financial services encompass a wide range of services offered by the nation’s financial institutions, including banking, mortgage, investment, and credit services. The next administration and Congress’s financial services...more

Nutter Bank Report: June 2024

Nutter McClennen & Fish LLP on 6/28/2024

The CFPB, as part of its initiative to accelerate the shift to open banking in the United States, issued a final rule on June 5 that outlines the qualifications to become a recognized industry standard setting body, which can...more

Federal Reserve Announces Results From the Review of the Supervision and Regulation of SVB

Goodwin on 5/5/2023

Regulatory Developments - Federal Reserve Announces Results From the Review of the Supervision and Regulation of SVB - On April 28, the Federal Reserve released its report analyzing SVB’s failure (Report). The Report...more

Financial Services Report - Spring 2021

Morrison & Foerster LLP on 3/2/2021

Can you say 0 to 60? Not cars, but pretty much everything to do with financial services. A new year, a new administration, and new challenges for providers. Prior CFPB Director Kraninger is long gone. Acting Director Uejio...more

The CARES Act: What Banks Need to Know

Goodwin on 4/2/2020

Recognizing the critical role that banks and other financial institutions play in providing capital and liquidity to American businesses and consumers, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the...more

CFPB issues Spring 2017 rulemaking agenda

Ballard Spahr LLP on 7/21/2017

The CFPB’s Spring 2017 rulemaking agenda has been published as part of the Spring 2017 Unified Agenda of Federal Regulatory and Deregulatory Actions. The preamble indicates that the information in the agenda is current as of...more

CFPB identifies 2017 priorities in annual fair lending report

Ballard Spahr LLP on 4/20/2017

In its new annual report covering its fair lending activities during 2016, the CFPB identifies the following three areas on which it “will increase our focus” in 2017...more

OCC Establishes New Third-Party Risk Management Expectations, Including for Bank Relationships With Marketplace Lenders

Troutman Pepper Locke on 2/22/2017

The bulletin requires relationships between banks and marketplace lenders to be treated with the same rigor of due diligence and ongoing oversight as other relationships with third parties. On January 24, the Office of...more

CFPB announces 2017 fair lending priorities

Ballard Spahr LLP on 12/19/2016

In a blog post published last Friday, Patrice Ficklin, Associate Director of the CFPB’s Office of Fair Lending, outlined the CFPB’s fair lending priorities for 2017. Ms. Ficklin wrote that, going forward, the CFPB will...more

CFPB Fall 2016 rulemaking agenda published

Ballard Spahr LLP on 12/2/2016

The CFPB’s Fall 2016 rulemaking agenda has been published as part of the Fall 2016 Unified Agenda of Federal Regulatory and Deregulatory Actions. The preamble indicates that the information in the agenda is current as of...more

GAO Issues Report on CFPB SBREFA Panels

Ballard Spahr LLP on 8/23/2016

The Government Accountability Office (GAO) has issued a report on the Consumer Financial Protection Bureau's (CFPB) use of Small Business Regulatory Enforcement Fairness Act (SBREFA) panels in its rulemaking process. The...more

GAO issues report on CFPB SBREFA panels

Ballard Spahr LLP on 8/17/2016

The Government Accountability Office has issued a report on the CFPB’s use of Small Business Regulatory Enforcement Fairness Act (SBREFA) panels in its rulemaking process. The report, “Observations from Small Business Review...more

CFPB Expands “Small Creditor” and “Rural Area” Definitions for Qualified Mortgages

BakerHostetler on 9/24/2015

On September 21, the Consumer Financial Protection Bureau (“CFPB”) released final and revised versions of mortgage rules regarding small creditors. These changes should ease lenders’ ability to originate qualified mortgages...more

House Financial Services Committee passes CFPB-related bills including bill creating TRID Rule hold harmless period

Ballard Spahr LLP on 8/10/2015

On July 29, the following four CFPB-related bills were passed by the House Financial Services Committee: H.R. 3192, the “Homebuyers Assistance Act”: The bill would provide a hold harmless period for the TILA/RESPA Integrated...more

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