Compliance & Regulation

Issuance of securities without government backing tied to homeowners with weak credit records or other imperfections has been frozen since 2008.

It's not clear how much capital European insurers will need to hold against their investments in U.S. securitizations or whether they can even invest in some of these deals at all.

Most banks appear to be coping well with the CFPB's ability-to-repay rule for mortgages, but the burden is falling harder on community banks. A new proposal that would allow more small lenders to grant home loans to borrowers with high levels of debt could help.

WASHINGTON — The Consumer Financial Protection Bureau filed a lawsuit on Monday against an Ohio-based loan administrator and its owner for allegedly deceptively marketing services that claimed to save consumers money on their mortgage while any actual savings was offset by high fees.

In response to the guidance offered by one of our commenters recently, Freddie Mac sets the record straight about their review process.

Nomura Holdings Inc. and Royal Bank of Scotland Group Plc engaged in "enormous" deception in selling defective mortgage-backed securities, a judge ruled following a trial over a trigger to the 2008 financial crisis.

A lot of bankers want on-balance-sheet mortgages declared ultrasafe under federal rules, and Wells Fargo executive Brad Blackwell explains why he thinks it's in their self-interest more than ever to live up to their arguments in favor of such a policy.

The Consumer Financial Protection Bureau and the Department of Justice are taking a renewed interest in redlining, the practice of lenders charging more for products or excluding altogether minorities within certain geographic areas — and their findings may be surprising.

Most title professionals will be prepared when the Consumer Financial Protection Bureau implements its TILA-RESPA Integrated Disclosure rule on Aug. 1, according to the American Land Title Association.

Investor-owned ratings agencies would send a message to mutual fund shareholders, retirement plan participants and other investors that steps have been taken to avoid repeating the inaccurate ratings that contributed so heavily to the financial crisis.