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Archived
Prepared Remarks of CFPB Director Richard Cordray at the CFPB Forum on eClosings

https://www.consumerfinance.gov/archive/newsroom/prepared-remarks-of-cfpb-director-richard-cordray-at-the-cfpb-forum-on-eclosings/

Thank you all for joining us today. We have convened this forum to discuss the...05, 2015 Share & print Thank you all for joining us today. We have convened this...promise of greater efficiency and accuracy for the mortgage industry, at potentially

Will I receive the Know Before You Owe disclosures when I shop for a mortgage?

https://www.consumerfinance.gov/ask-cfpb/will-i-receive-the-new-know-before-you-owe-disclosures-when-i-shop-for-a-mortgage-en-2009/

Before You Owe disclosures when I shop for a mortgage? Yes, based on federal law...consolidated the mortgage disclosures required under federal law in two forms. The

Archived
Written Testimony of Rohit Chopra Before the Senate Committee on Banking, Housing, and Urban Affairs

https://www.consumerfinance.gov/archive/newsroom/written-testimony-of-rohit-chopra-before-the-senate-committee-on-banking-housing-and-urban-affairs/

...For millions of Americans, student loans have opened doors to a college degree—...members of the subcommittee, thank you for holding this hearing today on an issue...multi-trillion dollar market with broad impact for consumers and the economy. But we have

Archived
Consumer advisory: Your money is at greater risk when you hold it in a payment app, instead of moving it to an account with deposit insurance

https://www.consumerfinance.gov/archive/newsroom/consumer-advisory-your-money-is-at-greater-risk-when-you-hold-it-in-a-payment-app-instead-of-moving-it-to-an-account-with-deposit-insurance/

...can be covered by federal deposit insurance....moving it to an account with deposit insurance JUN 01, 2023 Share & print More than...not protected by federal deposit insurance Nonbank payment apps help you move

Archived
How to deal with “bad credit”—or no credit—when you want to buy a home

https://www.consumerfinance.gov/archive/blog/bad-credit-or-no-credit-when-you-want-buy-home/

...you’ll make. Choosing a mortgage to pay for your new home is just as important as...What mortgage options are available for borrowers with lower credit scores First

Archived
Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, Notice of Proposed Rulemaking on FDIC Official Sign and Advertising Rule and a Rule Relating to False Advertising, Misrepresentations, and Misuse of the FDIC’s Name and Logo

https://www.consumerfinance.gov/archive/newsroom/statement-of-director-chopra-notice-of-proposed-rulemaking-on-fdic-official-sign-and-false-advertising-rule/

...relating to FDIC sign and advertising requirements, as well as misrepresentations related...related to deposit insurance. I support these proposals....relating to FDIC sign and advertising requirements, as well as misrepresentations related...related to deposit insurance. I support these proposals. Requiring official FDIC

Archived
Agencies Issue Final Rule to Exempt Subset of Higher-Priced Mortgage Loans from Appraisal Requirements

https://www.consumerfinance.gov/archive/newsroom/agencies-issue-final-rule-to-exempt-subset-of-higher-priced-mortgage-loans-from-appraisal-requirements/

...exemptions from certain appraisal requirements for a subset of......Higher-Priced Mortgage Loans from Appraisal Requirements DEC 12, 2013 Share & print Joint...Protection Bureau Federal Deposit Insurance Corporation Federal Housing Finance

Archived
Prepared Remarks of CFPB Director Rohit Chopra at the National Housing Conference

https://www.consumerfinance.gov/archive/newsroom/prepared-remarks-of-cfpb-director-rohit-chopra-at-the-national-housing-conference/

...today’s high interest rates will fall. For families, interest rates are often what...tens of billions of dollars of savings for existing homeowners. First, I’ll discuss

Archived
Director Richard Cordray Remarks at Field Hearing on Student Loan Debt

https://www.consumerfinance.gov/archive/newsroom/prepared-remarks-of-director-richard-cordray-at-the-field-hearing-on-student-loan-debt/

...become more of a burden than a blessing for those saddled with unmanageable debt...Good evening, and thank you for joining us for our field hearing on student...my own life, and I am sure it is true for many people here in this room. But a

Archived
Know Before You Owe: Making the mortgage process easier for you

https://www.consumerfinance.gov/archive/blog/know-before-you-owe-making-the-mortgage-process-easier-for-you/

Owe: Making the mortgage process easier for you By Patricia McClung – SEP 17, 2015...four years ago we’ve heard from homebuyers that the process of buying a home

Loan Originator Compensation Requirements under the Truth in Lending Act (Regulation Z)

https://www.consumerfinance.gov/rules-policy/final-rules/loan-originator-compensation-requirements-under-truth-lending-act-regulation-z/

Loan Originator Compensation Requirements under the Truth in Lending Act (Regulation...Loan Originator Compensation Requirements under the Truth in Lending Act (Regulation...Act. The final rule implements requirements and restrictions imposed by the

Archived
CFPB Finalizes Two-Month Extension of Know Before You Owe Effective Date

https://www.consumerfinance.gov/archive/newsroom/cfpb-finalizes-two-month-extension-of-know-before-you-owe-effective-date/

...rule, to October 3, 2015. The rule requires easier-to-use mortgage disclosure...lay out the terms of a mortgage for a homebuyer. The Bureau issued the change

Archived
CFPB Takes Action Against PHH Corporation for Mortgage Insurance Kickbacks

https://www.consumerfinance.gov/archive/newsroom/cfpb-takes-action-against-phh-corporation-for-mortgage-insurance-kickbacks/

Action Against PHH Corporation for Mortgage Insurance Kickbacks JAN 29, 2014 Share...harmed consumers through a mortgage insurance kickback scheme that started as early

Andrew Gonzalez

https://www.consumerfinance.gov/rules-policy/petitions-rulemaking/andrew-gonzalez-nonbank-entities/

Financial Protection Bureau (CFPB) require home insurance companies register as nonbank...Financial Protection Bureau (CFPB) require home insurance companies register as nonbank...DOCUMENTS Petition for Rulemaking Requiring Home Insurance Companies Register

Archived
Newsroom Archive

https://www.consumerfinance.gov/archive/newsroom/

Behavioral economics Business loans Call for evidence CFPB milestones Checking account...CFPB Orders Wise to Pay $2.5 Million for Illegal Remittance Practices The CFPB

Shop for title insurance and other closing services

https://www.consumerfinance.gov/owning-a-home/close/shop-for-title-insurance-and-other-closing-services/

Closing on your new home Shop for title insurance and other closing services Closing...third-party providers that you can shop for separately. Lenders or real estate agents

Archived
Consumer Financial Protection Bureau Issues Analysis of HMDA Data Points

https://www.consumerfinance.gov/archive/newsroom/cfpb-issues-analysis-hmda-data-points/

Institutions covered by HMDA are required to annually collect and report specified...Dodd-Frank Act, Congress amended HMDA to require reporting of new data points. Additionally

I never received a Loan Estimate. What can I do?

https://www.consumerfinance.gov/ask-cfpb/i-never-received-a-loan-estimate-what-can-i-do-en-148/

...business days of submitting an application for a mortgage loan, contact your lender...business days of submitting an application for a mortgage loan, contact your lender...and when it was sent. The lender is required to send you a Loan Estimate within

Archived
CFPB Announces Mortgage EClosing Pilot Participants

https://www.consumerfinance.gov/archive/newsroom/cfpb-announces-mortgage-eclosing-pilot-participants/

...announced the selection of participants for its mortgage eClosing pilot program...announced the selection of participants for its mortgage eClosing pilot program...and engagement and save time and money for consumers, lenders, and other market

Archived
A final rule that makes mortgage disclosure better for consumers

https://www.consumerfinance.gov/archive/blog/a-final-rule-that-makes-mortgage-disclosure-better-for-consumers/

...that makes mortgage disclosure better for consumers By CFPB Mortgage Disclosure...help industry understand what the requirements are, such as how to fill out the

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Archived Prepared Remarks of CFPB Director Richard Cordray at the CFPB Forum on eClosings

Will I receive the Know Before You Owe disclosures when I shop for a mortgage?

Archived Written Testimony of Rohit Chopra Before the Senate Committee on Banking, Housing, and Urban Affairs

Archived Consumer advisory: Your money is at greater risk when you hold it in a payment app, instead of moving it to an account with deposit insurance

Archived How to deal with “bad credit”—or no credit—when you want to buy a home

Archived Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, Notice of Proposed Rulemaking on FDIC Official Sign and Advertising Rule and a Rule Relating to False Advertising, Misrepresentations, and Misuse of the FDIC’s Name and Logo

Archived Agencies Issue Final Rule to Exempt Subset of Higher-Priced Mortgage Loans from Appraisal Requirements

Archived Prepared Remarks of CFPB Director Rohit Chopra at the National Housing Conference

Archived Director Richard Cordray Remarks at Field Hearing on Student Loan Debt

Archived Know Before You Owe: Making the mortgage process easier for you