News & Analysis as of

Higher-Priced Mortgage Loans

Weiner Brodsky Kider PC

Indiana Modifies Tax Sale Notice Requirements and High Cost Home Loan Limits

by Weiner Brodsky Kider PC on

Indiana recently amended certain provisions of its state statutes and regulations relating to the state’s real property tax sale notice requirements and dollar amount threshold for high cost loans. These changes are...more

Ballard Spahr LLP

CFPB Proposes Changes To Higher-Priced Mortgage Loan Exemption Threshold

by Ballard Spahr LLP on

The Consumer Financial Protection Bureau (CFPB) published for comment proposed substantive and organizational changes to the Regulation Z Commentary regarding the calculation of the annual exemption threshold amount for the...more

Ballard Spahr LLP

CFPB Proposes Changes to Higher-Priced Mortgage Loans Exemption Threshold

by Ballard Spahr LLP on

On August 4, 2016 the CFPB published for comment proposed substantive and organizational changes to the Regulation Z Commentary regarding the calculation of the annual exemption threshold  amount for the special appraisal...more

K&L Gates LLP

A Hard Rain Has Started to Fall, A Product-by-Product Review of the CFPB’s First 60 Enforcement Actions

by K&L Gates LLP on

Between July 17, 2012 and October 9, 2014, the Consumer Financial Protection Bureau brought 60 enforcement actions. According to our unofficial tally, they resulted in settlements requiring the payment of $2.2 billion in...more

Ballard Spahr LLP

Mortgage Loan Originator “Target Pricing” in the Fair Lending Bullseye

by Ballard Spahr LLP on

The Federal Reserve Board indicated it is scrutinizing mortgage loan pricing models that comply with Regulation Z but nonetheless, in the view of the Board, significantly increase fair lending risk. The models set a loan...more

Goodwin

Federal Regulators Amend Appraisal Requirements for Higher-Priced Mortgages

by Goodwin on

Collectively, the FDIC, the OCC, FRB, CFPB, NCUA, FHFA and HUD finalized the rule governing appraisal requirements for higher-priced mortgage loans. In August 2013, the federal regulators issued a proposal to amend Regulation...more

Ballard Spahr LLP

Federal financial regulatory agencies finalize appraisal requirement exemptions

by Ballard Spahr LLP on

The CFPB, Fed, FDIC, FHFA, NCUA, and OCC have finalized a supplemental rule creating several exemptions to the appraisal requirements for higher-priced mortgage loans (HPML). Those requirements are contained in the final rule...more

Orrick - Structured Finance Group

Final Rules on Appraisal Exemptions for Higher-Priced Mortgages

On December 12, the Fed, FDIC, CFPB, FHFA, NCUA and OCC issued a final rule that creates exemptions from certain appraisal requirements for certain higher-priced mortgage loans....more

Ballard Spahr LLP

Federal financial regulatory agencies propose appraisal requirement exemptions for certain higher-priced mortgage loans

by Ballard Spahr LLP on

The CFPB, Federal Reserve Board, FDIC, FHFA, NCUA, and OCC published in the Federal Register on August 8, 2013 proposed rules creating several exemptions to the appraisal requirements for higher-priced mortgage loans....more

Ballard Spahr LLP

CFPB proposes further changes to mortgage rules

by Ballard Spahr LLP on

On Monday, the CFPB proposed additional changes to the mortgage rules adopted in January 2013. Comments on the proposed changes are due by July 22, 2013....more

Foley & Lardner LLP

CFPB’s Amendments To The “Escrows Final Rule” Seek To Maintain Consumer Protections Applicable To Higher-Priced Mortgage Loans And...

by Foley & Lardner LLP on

The Consumer Financial Protection Bureau (“CFPB”) recently issued a final rule clarifying the 2013 Escrows Final Rule issued by CFPB on January 10, 2013. The CFPB indicates that the clarifying and technical amendments to the...more

Ballard Spahr LLP

CFPB finalizes mortgage escrow rule amendments and list of “rural” or “underserved counties” and issues videos on mortgage rules

by Ballard Spahr LLP on

The CFPB has issued final “clarifying and technical” amendments to its final mortgage escrow account rule dealing with the establishment of mandatory escrow accounts on higher-priced mortgage loans (HPML)....more

Ballard Spahr LLP

CFPB issues more small entity compliance guides for mortgage-related rules

by Ballard Spahr LLP on

The CFPB has issued several more Small Entity Compliance Guides on its mortgage-related rules. In addition to its guide on the ability-to-repay and qualified mortgage rule, the CFPB has now issued Small Entity Compliance...more

Ballard Spahr LLP

CFPB proposes amendments to final mortgage escrow account rule

by Ballard Spahr LLP on

The CFPB has proposed amendments to its final mortgage escrow account rule dealing with the establishment of mandatory escrow accounts on higher-priced mortgage loans (HPML). According to the proposal’s supplementary...more

Stinson Leonard Street - Dodd-Frank and the...

CFPB Begins To Fix Recently Adopted Rules

The CFPB has issued a proposed rule clarifying and making technical amendments to the 2013 Escrows Final Rule issued by the Bureau in January 2013. This is the first of the CFPB’s planned issuances to clarify and provide...more

K&L Gates LLP

More Paper? CFPB Revamps Disclosure and Delivery Requirements for Valuations under ECOA

by K&L Gates LLP on

Come January 2014, creditors will be required to equip borrowers with more information on how the value of the borrower’s home is determined, even if the creditor doesn’t use that information in making its lending decision....more

Pepper Hamilton LLP

The Impact Of The CFPB’s Appraisal Rule

by Pepper Hamilton LLP on

On January 18, 2013, the Consumer Financial Protection Bureau (CFPB) issued a final rule (the Appraisal Rule) implementing an amendment to the Equal Credit Opportunity Act (ECOA) that revises Regulation B’s provisions...more

Katten Muchin Rosenman LLP

Agencies Issue Final Rule on Appraisals for Higher-Priced Mortgage Loans

On January 18, six federal financial regulatory agencies (the Board of Governors of the Federal Reserve System, the Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, the Federal Housing Finance...more

Perkins Coie

Financial Services Bulletin: CFPB Issue New Final Rules

by Perkins Coie on

On Thursday, January 10, 2013, the Consumer Financial Protection Bureau (the "CFPB") issued a final rule that amends Regulation Z to implement certain amendments to the Truth in Lending Act ("TILA") made by Sections 1461 and...more

Dechert LLP

Real World - January 2013

by Dechert LLP on

Welcome to the Winter edition of Real World from Dechert’s London Finance and Real Estate Group, keeping you up to date with recent developments in real estate law and practice. In this issue: - An A-Z for 2013 – A...more

Perkins Coie

Financial Services Bulletin: Agencies Issue New Mortgage Rules

by Perkins Coie on

On Friday, January 18, 2013, the Board of Governors of the Federal Reserve System (the “Fed”), the Consumer Financial Protection Bureau (the "CFPB"), the Federal Deposit Insurance Corporation (the “FDIC”), the Federal Housing...more

Saul Ewing Arnstein & Lehr LLP

CFPB issues final rules on incentives and mandatory arbitration

The CFPB issued final rules reducing the financial incentives for loan officers and brokers in "risky and high-cost" consumer loans and toughening qualification standards for loan originators....more

Burr & Forman

Dodd-Frank News: January 2013: Dodd-Frank Wall Street Reform And Consumer Protection Act Monthly Update

by Burr & Forman on

In This Issue: - RECENT CASES . Dodd-Frank Challenges Under the Administrative Procedure Act and Commodity Exchange Act . Preemption . Whistleblower Protection Under the Dodd-Frank Act . Arbitration...more

Orrick, Herrington & Sutcliffe LLP

Orrick's Financial Industry Week in Review - January 22, 1013

In This Issue: *Financial Industry Developments - CFPB Final Rule on Mortgage Servicing Standards - Joint Rule on Appraisals for Higher-Priced Mortgage Loans - CFPB Final Rule on Written Appraisals - SEC...more

Ballard Spahr LLP

CFPB issues final rules on mortgage servicing, appraisals and loan originator compensation

by Ballard Spahr LLP on

The regulatory barrage continued last week with the CFPB issuing the last batch of mortgage-related rules it was required to finalize by the Dodd-Frank Act’s January 21 deadline....more

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