Qualified Mortgages

From HMDA and TRID to restoring the Protecting Tenants at Foreclosure Act, here's a look at 10 mortgage and housing provisions in the Senate's regulatory reform bill.

The legislation carves out protections for smaller banks to offer abusive loans to borrowers under the "qualified mortgage" standard, as long as they hold those loans in portfolio.

Credit union executives talked up a pending regulatory relief effort while endorsing a radical shift in direction by the Consumer Financial Protection Bureau during a meeting with President Trump and other top White House officials on Monday.

The legislation, a similar version of which passed in the last Congress, would give favorable regulatory treatment to certain loans even if real estate-related fees were paid to an affiliate of the lender.

The acting head of the Consumer Financial Protection Bureau can utilize "look-backs" of mortgage servicing and underwriting rules to push for significant changes.

The $401.2 million COLT 2018-1 is the eighth overall securitization of non-qualified jumbo mortgages issued by the Lone Star Funds affiliate.

Lending outside the qualified mortgage rule will likely become more prominent in 2018, as originators continue to struggle to replace lost refinance volume and their compliance and risk management processes become more robust.

The seven largest national banks held less than 5% of loans that were delinquent at the end of the third quarter, the Office of the Comptroller of the Currency said Friday.

A new Republican director of the Consumer Financial Protection Bureau is likely to take immediate action to change certain rules, including the "qualified mortgage" and payday rules, while curbing pending enforcement actions that are considered too harsh on financial firms.

Impac Mortgage Holdings' nonqualified mortgage origination volume increased 248% year-over-year in the third quarter as the company accumulates loans for a planned securitization next year.

Growth in loans with higher debt-to-income ratios is reviving focus on a regulatory exemption for Fannie Mae, Freddie Mac and other federal agencies that back mortgages.

Most secondary market outlets, along with the non-qualified mortgage lenders, remain reluctant to lend to legal cannabis workers because of the source and nature of their compensation, but opportunities are beginning to emerge.

Cannabis businesses are legal in 29 states, but compliance questions on the federal level are keeping mortgage lenders from making loans to the industry's workers.

The Consumer Financial Protection Bureau set its 2018 thresholds for high-cost mortgages regulated under the Home Ownership and Equity Protection Act.

American International Group is accessing the securitized market through a Credit Suisse deal backed by loans that were generally originated less than a year after TRID.

The Treasury plan includes a slew of items that don’t require Congress to act, and appear feasible in the short term. Here's a guide to what changes could be made.

The House passed a bill that assigns Qualified Mortgage status to loans that banks hold in portfolio.

JPMorgan Chase is marketing another offering of bonds backed by a mix of conforming and jumbo residential mortgages, according to Moody's Investors Service.

Nexera Holding, which has operated as an online lender under the name Newfi, is applying that branding to the company as a whole.

While consumers pay for mortgage insurance policies, carriers like Arch MI are forging new relationships with real estate agents and strengthening lender partnerships to reach the growing segment of millennial and low-to-moderate-income homebuyers.