News & Analysis as of September 21, 2024

Mortgages › Interpretive Rule

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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 Releases TRID Guidance for Juneteenth National Independence Day

Bradley Arant Boult Cummings LLP on 8/10/2021

Late last week, the Consumer Financial Protection Bureau (CFPB) released an interpretive rule that provided much-welcome guidance related to the effect of the new Juneteenth National Independence Day on disclosure waiting...more

Financial Services Weekly Roundup: Code Libor – SEC And OCIE Issue Risk Alert In Preparation Of Libor Discontinuation

Goodwin on 6/26/2020

In This Issue. The Securities and Exchange Commission’s (SEC) Office of Compliance Inspections and Examinations (OCIE) issued a Risk Alert about the scope and content of examinations OCIE plans to conduct of various...more

CFPB Publishes Interpretive Rule Changing HMDA Fields Used to Identify “Underserved” Areas

Ballard Spahr LLP on 6/25/2020

On June 23, 2020, the CFPB published a new interpretive rule (the “Interpretive Rule”) to update the Home Mortgage Disclosure Act (HMDA) data fields that are used to identify “underserved” areas. ...more

CFPB Provides Additional Guidance on HMDA Partial Exemption

Ballard Spahr LLP on 9/4/2018

The CFPB recently released an interpretive and procedural rule to implement and clarify the partial exemption from the Home Mortgage Disclosure Act (HMDA) adopted in the Economic Growth, Regulatory Relief, and Consumer...more

Orrick's Financial Industry Week In Review

Orrick, Herrington & Sutcliffe LLP on 5/11/2018

CFTC Staff Issues Interpretive Guidance Regarding Exemption from Aggregation - On May 2, 2018, the Commodity Futures Trading Commission's ("CFTC") Division of Market Oversight issued a CFTC staff letter with interpretive...more

CFPB Mortgage Servicing Rule Amendments Published in Federal Register

Ballard Spahr LLP on 10/21/2016

The CFPB Mortgage Servicing Rule Amendments were published in the Federal Register yesterday, starting the clock for the effective date of the amended provisions. Most of the provisions are effective on October 19, 2017. ...more

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