2024 HMDA Data on Mortgage Lending Now Available
The published data contain loan-level information filed by financial institutions and modified to protect consumer privacy.
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CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores
Today, the Consumer Financial Protection Bureau (CFPB) published a report about financial outcomes for cash-out refinance mortgage borrowers.
CFPB Takes Action Against Draper & Kramer Mortgage for Discriminatory Mortgage Lending Practices
The CFPB took action against Draper & Kramer Mortgage Corporation for discriminatory mortgage lending activities that discouraged homebuyers from applying to Draper for homes in majority-Black and Hispanic neighborhoods in the greater Chicago and Boston areas.
CFPB Finds Hundreds of Thousands of Mortgages in Southeast and Central Southwest US Likely Underinsured Against Flood Risk
The CFPB found significant differences in the likelihood that homeowners with a mortgage are adequately insured against flooding based on location and income and assets.
CFPB Sues Vanderbilt for Setting Borrowers Up to Fail in Manufactured Home Loans
The CFPB sued Vanderbilt Mortgage & Finance for setting families up to fail when they borrowed money to buy a manufactured home.
CFPB Files Lawsuit to Stop Illegal Kickback Scheme to Steer Borrowers to Rocket Mortgage
The CFPB sued Rocket Homes to stop providing incentives to real estate brokers and agents in exchange for steering homebuyers to Rocket Mortgage for loans.
CFPB Report Finds Mortgage Companies Create Obstacles for Homeowners After Death or Divorce
The CFPB issued a report on the experiences of homeowners dealing with their mortgage company after divorce or the death of an original borrower.
CFPB Report Finds Significant Drop in Annual Mortgage Applications and Originations in 2023
The CFPB released its annual report on trends in the residential mortgage lending market.
CFPB and Justice Department Take Action Against Fairway for Redlining Black Neighborhoods in Birmingham, Alabama
The CFPB and DOJ took action to end Fairway Mortgage Corporation’s illegal mortgage lending redlining against majority-Black neighborhoods in the greater Birmingham, Alabama area.
Agencies Announce Dollar Thresholds for Applicability of Truth in Lending and Consumer Leasing Rules for Consumer Credit and Lease Transactions
The CFPB and the FRB are announcing the dollar thresholds used to determine whether certain consumer credit and lease transactions in 2025 are subject to certain protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing).
Agencies Announce Dollar Thresholds for Smaller Loan Exemption from Appraisal Requirements for Higher-priced Mortgage Loans
The CFPB, the FRB, and the OCC are announcing that the 2025 threshold for higher-priced mortgage loans that are subject to special appraisal requirements will increase from $32,400 to $33,500.
Prepared Remarks of CFPB Director Rohit Chopra at the Center for American Progress Housing Summit
Director Chopra delivered remarks on streamlining the refinancing process following the Federal Reserve federal funds rate reduction.
Prepared Remarks of CFPB Director Rohit Chopra at the Congressional Black Caucus Foundation's 53rd Annual Legislative Conference
Director Chopra delivered remarks on housing, including refinancing, appraisals, and other topics.
Prepared Remarks of CFPB Director Rohit Chopra at the National Housing Conference
Director Chopra delivered remarks on streamlining the refinancing process.
CFPB Orders NewDay USA to Pay $2.25 Million for Illegally Luring Veterans and Military Families into Cash-Out Refinance Loans
The CFPB took action against repeat offender New Day Financial (NewDay USA) for deceiving active duty servicemembers and veterans seeking cash-out refinance loans.
Agencies Finalize Interagency Guidance on Reconsiderations of Value for Residential Real Estate Valuations
Five federal regulatory agencies today issued final guidance addressing reconsiderations of value (ROVs) for residential real estate transactions.
Agencies Issue Final Rule to Help Ensure Credibility and Integrity of Automated Valuation Models
Six federal regulatory agencies today issued a final rule, pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, designed to help ensure the credibility and integrity of models used in valuations for certain mortgages secured by a consumer’s principal dwelling.
CFPB Proposes Rules to Help Homeowners Avoid Foreclosure
The CFPB proposed new rules to make it easier for homeowners to get help when they are struggling to pay their mortgage.
CFPB propone normativa para evitar ejecuciones hipotecarias | CFPB
La CFPB propone nueva normativa para facilitarles a los propietarios de viviendas recibir asistencia, cuando tengan dificultades para pagar sus hipotecas.
CFPB and FHFA Release Updated Data from the National Survey of Mortgage Originations for Public Use
Borrower survey of mortgage originations
CFPB Takes Action Against Sutherland Global and NOVAD Management Consulting for Reverse Mortgage Servicing Failures
The CFPB ordered a reverse mortgage servicing operation to stop illegal activities that harmed older homeowners and caused them to fear losing their homes.
CFPB Actúa contra Administradores de Hipotecas Inversas | CFPB
The CFPB ordered a reverse mortgage servicing operation to stop illegal activities that harmed older homeowners and caused them to fear losing their homes.
CFPB Proposes to Ban Medical Bills from Credit Reports
Today, the CFPB proposed a rule that would remove medical bills from most credit reports, increase privacy protections, help to increase credit scores and loan approvals, and prevent debt collectors from using the credit reporting system to coerce people to pay.
Prepared Remarks of CFPB Director Rohit Chopra on the Proposed Ban of Medical Bills on Credit Reports
Research from the Consumer Financial Protection Bureau in 2022 showed that medical collections tradelines appeared on 43 million credit reports, and that 58 percent of bills that were in collections and on people’s credit records were medical bills.
CFPB Propone Prohibir Facturas Médicas en Informes de Crédito | CFPB
CFPB propone normativa que removería facturas médicas de los informes de crédito, aumentaría protecciones a la privacidad, ayudaría al aumento de los puntajes crediticios y del número de préstamos aprobados, y prevendría que cobradores usen el sistema de reporte del crédito como arma para forzar a la gente a pagar.