News & Analysis as of June 4, 2025

Regulatory Oversight

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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 Shifts Supervision and Enforcement Priorities; Staff Reduction Stayed by Court

Sheppard Mullin Richter & Hampton LLP on 5/1/2025

On April 16, the CFPB released an internal memo outlining major shifts in its supervision and enforcement priorities, signaling a retreat from several areas of regulatory activity. The next day, the Bureau issued formal...more

CFPB Narrows Supervision and Enforcement, Leaving Broader Focus to States

Venable LLP on 4/23/2025

The CFPB confirmed in a recent memo to staff that it is shifting its tone on supervision and enforcement—even as reports circulate about significant staffing cuts and potential structural changes at the agency. ...more

CFPB Suggests Shift In Supervision and Enforcement Priorities

Katten Muchin Rosenman LLP on 4/23/2025

On April 16, the Consumer Financial Protection Bureau (CFPB) seemingly provided its employees with a memorandum outlining its ongoing supervisory and enforcement priorities (Memo). Although the Memo has not been made publicly...more

FHFA Rescinds UDAP Oversight Bulletin and SPCP-Based Renter Protections

Sheppard Mullin Richter & Hampton LLP on 3/31/2025

The Federal Housing Finance Agency (FHFA) has taken two significant deregulatory steps affecting its oversight of the government-sponsored enterprises, Fannie Mae and Freddie Mac (GSEs). The agency rescinded a 2024 advisory...more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

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