News & Analysis as of October 31, 2024

Mortgages › Regulatory Burden

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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 +

Nutter Bank Report: February 2024

Nutter McClennen & Fish LLP on 2/29/2024

The U.S. Department of Justice (DOJ) and state authorities have agreed to a consent order with a large national bank to resolve allegations that the bank engaged in a pattern or practice of lending discrimination by affecting...more

Mortgage Industry Urges CFPB to Make Changes to LO Comp Rule

Ballard Spahr LLP on 10/16/2018

On September 26, 2018, the Mortgage Bankers Association (MBA) together with eleven other mortgage industry groups submitted a letter to CFPB Acting Director Mick Mulvaney “to urge the Bureau. . . to make changes to its Loan...more

Foreign Investment Brings Corruption-Related Regulatory Burdens

Ballard Spahr LLP on 9/17/2018

Foreign investment in the U.S. real estate market has been increasing for some time. That brings many benefits. It can also pose unanticipated compliance challenges for U.S. mortgage professionals working on transactions...more

House Passes Banking Bill Providing Dodd-Frank Relief

Ballard Spahr LLP on 5/23/2018

The U.S. House of Representatives on Tuesday passed S.2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act (the Act), by a vote of 258 to 159. ...more

Conference of State Bank Supervisors Urges Federal Regulators to Simplify Regulatory Capital Rules

Ruder Ware on 1/5/2018

On September 27, 2017, the FDIC, the Federal Reserve, and the OCC (the “Agencies”) issued a proposed rule that simplifies the compliance requirements of the existing regulatory capital rules and is intended to reduce the...more

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