Jared Kelly

Jared Kelly

Ballard Spahr LLP

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HMDA proposed rule published in Federal Register

The proposed rule amending the Home Mortgage Disclosure Act and its implementing regulation, Regulation C, was published in the Federal Register today. As such, the official comment deadline will be October 29, 2014. We...more

9/2/2014 - HMDA Mortgages Regulation C

CFPB Answers FAQ on the TILA-RESPA Integrated Disclosures Rule

On August 26, 2014, the CFPB staff and Federal Reserve Board co-hosted a webinar and addressed questions about the final TILA-RESPA Integrated Disclosures Rule that will be effective for applications received by creditors or...more

8/29/2014 - CFPB Creditors Disclosure Requirements Final Rules Mortgage Brokers RESPA TILA

CFPB expands HMDA reporting requirements

The CFPB issued a proposed rule amending Regulation C to expand data reporting requirements for mortgage industry participants. The proposed rule is 573 pages and our Mortgage Banking Group will analyze the proposal and work...more

7/28/2014 - CFPB Dodd-Frank HMDA Mortgage Bankers Association Mortgages Proposed Regulation Regulation C

Community banks urge CFPB to expand small creditor exemption

Recently, the Independent Community Bankers of America (ICBA) and a 45-member coalition of state and regional banking associations submitted a letter to the Consumer Financial Protection Bureau (Bureau) urging the agency to...more

7/23/2014 - Banks CFPB Creditors Mortgages Popular Title XIV

HUD Issues Proposed Rule Regarding ARM Disclosures

On May 8, 2014, HUD issued a Proposed Rule meant to align HUD rules governing FHA-insured ARMs with the recent CFPB rules regarding ARM interest rate adjustment and disclosures under Regulation Z (ARM Rules). Comments on the...more

6/2/2014 - Adjustable-Rate Mortgage Disclosure Requirements FHA HUD Interest Rate Adjustments Interest Rates Lenders Proposed Regulation Public Comment Regulation Z Secured Lenders

CFPB issues proposed amendments to mortgage rules

The CFPB published a Proposed Rule offering three specific amendments to the 2013 Title XIV Final Mortgage Rules. The proposed amendments respond to concerns about origination and servicing issues....more

5/2/2014 - CFPB Mortgages Proposed Amendments

CFPB publishes guidance regarding RESPA-TILA integrated disclosure forms

The CFPB recently published guidance (the Guide) to assist mortgage originators and settlement service providers in completing the Loan Estimate and Closing Disclosure forms required under the RESPA-TILA Integrated Disclosure...more

4/18/2014 - CFPB Disclosure Requirements Mortgages RESPA TILA

Financial Industry Regulators Seek Comment on Appraisal Management Companies Rule

The Consumer Financial Protection Bureau along with five other federal agencies recently issued a joint proposed rule (Proposed Rule) regarding Appraisal Management Companies (AMCs) as required by Section 1473 of the...more

4/10/2014 - AMCs Appraisal Banks Dodd-Frank FHFA NCUA

Federal Regulators Issue Joint Proposed Rule Regarding Appraisal Management Companies

On March 24, 2014, the CFPB along with five other federal agencies issued a joint proposed rule (“Proposed Rule”) regarding Appraisal Management Companies (“AMC”) as required by section 1473 of the Dodd-Frank Act...more

3/26/2014 - Appraisal Credit Unions Dodd-Frank FHFA

State Licensing Requirements for Appraisal Management Companies

Appraisal management companies (AMC) are now required to register with and be subject to state supervision. In each state where AMCs provide services in connection with federally related mortgage transactions (as that term is...more

3/19/2014 - Appraisal Dodd-Frank Licensing Rules Title XI

CFPB Publishes Source Code for HUD-Approved Housing Counselors

In November 2013, the CFPB published a tool to help consumers find local HUD-approved housing counselors. Now, the CFPB has published open source code to allow lenders to integrate the web-based tool into lender applications...more

3/11/2014 - CFPB Housing Market HUD

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