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

By implementing a platform designed specifically to support quality control, lenders can continuously prepare for an audit while simultaneously executing on everyday loan quality tasks.

The Department of Housing and Urban Development is reducing the mortgage insurance premiums it charges on Federal Housing Administration multifamily loans to encourage the renovation of affordable housing units and promote energy-efficient upgrades.

Amid concerns about the added complexity of the TILA-RESPA integrated disclosures and growing demand for purchase loans, Flagstar Bancorp plans to reduce its over-reliance on third-party originations by expanding its retail mortgage business.

Royal Bank of Scotland Group took a surprise $5.2 billion hit to the value of its assets and set aside more money for past misconduct, limiting CEO Ross McEwan's ability to return capital to shareholders.

In the absence of congressional action on housing finance reform, here is what the Federal Housing Finance Agency should do sooner rather than later.

The mortgage industry can better manage disparate regulatory requirements with a comprehensive approach that streamlines compliance.

Bank of America and nine other banks have agreed to pay about $63 million to settle claims they misled the state of Virginia into buying faulty residential mortgage-backed securities.

Sun Bancorp in Mount Laurel, N.J., has agreed to pay $25,000 to resolve issues connected to the company’s former Sun Home Loans division.

A New Jersey man has been sentenced to six years in prison for running a scam that victimized distressed homeowners and private investors.

Credit unions and banks are worried that the rule will eventually force smaller institutions to use costly modeling programs to comply.

The Federal Housing Finance Agency may face legislation or a lawsuit in the near future as it tries to force captive insurance companies to exit the Federal Home Loan Bank System.

Credit unions' share of the mortgage origination market has climbed steadily since the financial crisis. The sector expects to build on that momentum in 2016, even as significant headwinds loom.

Ocwen Financial Corp. will pay $2 million to settle charges that it misstated its financial results in valuing complex mortgage assets, said the Securities and Exchange Commission.

It took an average of 49 days to close a residential mortgage loan in December, a week longer than it took one year prior, according to Ellie Mae. This was unchanged from November.

Overlapping missions and jurisdictions are fueling competition between the Consumer Financial Protection Bureau and the Federal Trade Commission, according to former officials at both agencies.

Goldman Sachs Group Inc.'s fourth-quarter net income dropped 65% because of the costs to settle a mortgage probe.

In one corner are groups like the Community Home Lenders Association and the major credit union groups, which are hoping the administration will further cut premiums after a reduction a year ago. On the other are MBA and ICBA, which argue a cut now would be too soon.

Agency and government loan programs will be a little different in the next 12 months. There also will be new rules for private-label securitizations, along with new products available to investors. Here is an overview.

Mortgage real estate investment trusts will be hurt modestly in the long run, now that they have been excluded from membership in the Federal Home Loan Bank System, according to Fitch Ratings.