Compliance & Regulation

The risk retention rule unveiled Tuesday was hailed by the industry for its definition of a "qualified residential mortgage," but analysts say a comeback for private-label securitization still faces huge obstacles.

Recently released HMDA data strongly suggest that the reason minority homeownership rates are falling since the beginning of the recession isn't because minorities are opting out of the mortgage process, but because they're being excluded.

New York banking regulator Benjamin Lawsky is sending a new warning shot over the bow of Ocwen Financial, which has been scrutinized by regulators for more than a year.

Lenders increasingly find themselves responsible for protecting clients’ money and non-public personal information as those funds and data pass through several vendors that are part of the mortgage process.

U.S. regulators finalized a securities risk retention rule on Tuesday designed to set the stage for the future of the secondary mortgage market.

The GSE regulator's second attempt to stimulate the mortgage market is receiving a lukewarm reception from lenders, who remain gun-shy after being forced by Fannie and Freddie to repurchase billions of dollars in soured loans since 2008.

Government officials increasingly encourage looser credit benefiting low- to moderate-income borrowers, but some lenders who make these loans said it's easier said than done. Here's why.

Housing and Urban Development Secretary Julian Castro challenged lenders to make more mortgages, saying the credit pendulum has swung too far on the side of caution.

Exclusivity provisions in marketing services agreements are not per se illegal, but their inherent anti-competitive nature and inherent suggestiveness of consumer steering could be a regulatory concern.

Ginnie Mae on Monday released updated net worth and liquidity requirements for issuers of mortgage-backed securities.