Dodd-Frank

The sheer volume of regulations adds time and expense to closings without much benefit when consumers’ main interest is to get funds as quickly as possible.

Creating a bipartisan commission to manage the Consumer Financial Protection Bureau will make the agency’s rules longer-lasting and place needed checks on the director’s authority.

Three-fourths of House lawmakers signed a bipartisan letter that calls on the Consumer Financial Protection Bureau to take more steps to carve out community banks and credit unions from onerous regulations. But will it make a difference?

Bankers are still grappling with vendor software problems, longer processing times and delays in mortgage closings as a result of new disclosures that went into effect four months ago, according to a new survey by the American Bankers Association.

The Consumer Financial Protection Bureau should provide independent mortgage lenders with clear guidance on how to comply with rules and confirm that good-faith compliance with the bureau's directives will not result in enforcement actions and financial penalties

The cost of capital and regulatory compliance has convinced the top four banks that making home loans to American families is not worth the risk.

The Federal Housing Finance Agency's Duty-to-Serve rule must include a substantive commitment from the government-sponsored enterprises to purchase chattel loans.

Brokers and small lenders are being crushed under the weight of heavy regulation, leaving loan officers little choice but to shoulder the burden themselves — or move to an organization that can handle the regulatory requirements.

SharperLending has registered its Appraisal Firewall software product as a lender agent with the Federal Housing Administration.

The Dodd-Frank Act is a burden on community banks and credit unions but regulators are struggling to quantify the costs, according to a report released Wednesday by the Government Accountability Office.

The Consumer Financial Protection Bureau has lowered the asset-size threshold to qualify for escrow exemptions for higher-priced mortgage loans.

Sen. Bob Corker championed a provision he added to the budget bill that would temporarily prevent the Treasury Department from recapitalizing Fannie Mae and Freddie Mac and discussed other banking priorities in a sitdown interview.

The answer to lower costs, higher efficiency, and better record keeping for compliance lies in eSignature, e-documents, and e-mortgages, the foundation for which has legally been in place for 15 years now.

Mortgage lenders and servicers weary from a raft of regulatory changes in recent years may see some respite in 2016, but still face some tough issues ahead. Here's the most pressing.

Over 20 mortgage and real estate-related trade groups are urging Congress to provide a hold harmless period till Feb. 1 for any errors regarding implementation of the integrated RESPA-TILA mortgage disclosures.

Issues with upgrading software and ensuring pricing accuracy to comply with the consumer bureau's "integrated disclosures" have been magnified in wholesale loan transactions.

The sweeping, five-year highway bill may include some key concessions for small financial institutions, but the deal has left many in financial services frustrated. Here's why.

With the Consumer Financial Protection Bureau's disclosure rule potentially slowing down the loan process, institutions need to focus on communication strategies to keep young borrowers at the closing table.

A recent CFPB action against a payday lender demonstrates why lenders across industries must disclose both the best and worst case repayment scenarios to consumers.

The reform law's Qualified Mortgage and risk-retention rules have restricted access to credit, sowing demand for niche products offered by nonbank lenders.