Compliance & Regulatory
Rules that govern mortgage credit reporting change faster than most compliance calendars are rebuilt. This section tracks the ones that reach an originator’s desk: FCRA and GLBA amendments, HMDA reporting, Regulation B, trigger leads, and the executive orders and CFPB actions behind them. Each piece states what actually changed, what it requires of a lender, and the date it starts to matter.
11 posts, newest first
UpdateCan Mortgage Lenders Collect Credit Report Fees Upfront?
For covered mortgage applications, a bona fide and reasonable credit report fee is the express exception to TRID's pre-Loan Estimate fee restriction.
UpdateWhat Lenders Need to Know About the 2026 HMDA Reporting Changes
The 2026 HMDA reporting changes bring 50+ new data points for closed-end mortgages and expanded open-end credit coverage. Learn about the new requirements, institutional thresholds, implementation timeline, and how to prepare your lending operation for compliance.
UpdateWhat Community Banks Need to Know About the 2026 Mortgage Compliance Reforms
The March 2026 executive order directing CFPB to reduce mortgage compliance burdens for community banks could reshape lending for smaller institutions. Learn what's changing with TRID, QM safe harbor, HMDA reporting, and ATR rules—and how to prepare your institution for implementation.
GuideHow Mortgage Lenders Can Win Market Share in a Difficult Origination Environment
Mortgage originations are down sharply in 2026, but the purchase market is still moving. Here's how lenders can capture market share with soft credit pulls, government-backed lending, rate buydowns, and credit optimization strategies.
UpdateWhat the 2026 Mortgage Reform Executive Order Means for Your Lending Operation
The March 2026 executive order directs federal agencies to modernize mortgage regulations, potentially bringing the biggest changes since Dodd-Frank. This deep dive explains what's actually proposed, how TRID, ATR/QM, and HMDA rules could change, and what lenders should do now to prepare for reforms that won't arrive until 2027.
UpdateNavigating the 2026 Mortgage Compliance Landscape: What Lenders Need to Know
New FCRA restrictions on trigger leads, updated HMDA thresholds, and a shift toward effectiveness-based compliance evaluation. Here's what mortgage lenders need to know about 2026's regulatory changes.
UpdateWhat the New Mortgage Compliance Executive Order Means for Lenders
A new executive order aims to modernize mortgage compliance requirements, shifting from process-focused oversight to effectiveness-based evaluation. We break down the key changes coming to HMDA, ATR/QM rules, and enforcement approaches.
UpdateGLBA Privacy Amendments: What Mortgage Lenders Need to Know
A House discussion draft proposes significant GLBA amendments that would require mortgage lenders to implement data minimization, provide consumer access and deletion rights, and adopt enhanced privacy protections—while offering federal preemption of state laws.
GuideFCRA Compliance for Mortgage Lenders: Essential 2026 Updates You Can't Ignore
New FCRA regulations in 2026 restrict trigger leads, update consumer dispute procedures, and raise file-disclosure fee caps. Here's what mortgage lenders must know to stay compliant.
UpdateFHFA Confirms VantageScore 4.0 Timeline: What Every Lender Needs to Know Before Q3 2026
The Federal Housing Finance Agency has confirmed updated timelines for the transition to VantageScore 4.0 and FICO 10T. Here is what mortgage lenders need to know about the biggest scoring change in a decade.
UpdateThe End of Trigger Leads (2026): What Mortgage Lenders Need to Know
The Homebuyers Privacy Protection Act is now in effect, ending the traditional trigger lead ecosystem. Here's what mortgage lenders need to know about the law, its enforcement challenges, and how to adapt your lead generation strategy.
