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Searching Content indexed under Charges, Mortgages, Indemnities by Kristie D. Kully ordered by Published Date Descending.
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1
OCC Bulletin On Asset Dissipation The Art And Science Of Underwriting
While banks must be prudent and follow applicable regulations, the latest guidelines from the Office of the Comptroller of the Currency may allow banks to justify a nuanced asset dissipation or depletion underwriting program, ...
United States
1 Aug 2019
2
U.S. House Of Representatives Addresses Qualified Mortgages For Self-Employed Borrowers
The U.S. House of Representatives is considering a bill to address the underwriting difficulties and resulting lack of access to mortgage credit for self-employed borrowers
United States
28 May 2019
3
New Jersey Enacts A Law To License Mortgage Loan Servicers
On April 29, 2019, New Jersey joined the ranks of US states that license mortgage loan servicers when Governor Phil Murphy signed into law the Mortgage Servicers Licensing Act (the "Servicers Act").
Jersey
27 May 2019
4
Department Of Labor Proposes New Overtime Salary Thresholds
The Department of Labor is fulfilling its promise to rethink the salary thresholds applicable to an employer's obligation to pay overtime.
United States
5 Apr 2019
5
CFPB Issues Final Guidance On Public Disclosure Of HMDA Data
The Consumer Financial Protection Bureau issued final policy guidance on December 21, 2018, explaining how it will make available to the public data submitted by financial institutions
United States
8 Jan 2019
6
Qualified Mortgages For Self-Employed Borrowers; Bill On The Hill
Senators Mark Warner (D-VA) and Mike Rounds (R-SD) recently introduced Senate Bill 3401 to facilitate access to residential mortgage loans for consumers who are self-employed...
United States
12 Sep 2018
7
HMDA Clarification: Relief For Lower-Volume Banks, Credit Unions
The Bureau of Consumer Financial Protection (the Bureau) issued an interpretive rule on August 31, 2018, explaining how depository institutions that originate fewer than 500 open- or closed-end home
United States
6 Sep 2018
8
Foreign Statutory Trusts Purchasing Delinquent Residential Mortgage Loans Are Not Required To Obtain Maryland Collection Agency License, Finds Maryland Court Of Appeals
Foreign statutory trusts that acquire delinquent residential mortgage loans are NOT required to be licensed under the Maryland Collection Agency Licensing Act (the "Act") ...
United States
8 Aug 2018
9
CFPB Finalizes Single-Statement Transition Period For Mortgage Statements To Borrowers In Bankruptcy
However, servicers need time to transition between statement formats.
United States
15 Mar 2018
10
Pennsylvania Mortgage Servicing Regulations Track RESPA Requirements
On February 6, 2018, the Pennsylvania Department of Banking and Securities issued regulations in response to the state's recent law requiring licensing of mortgage loan servicers.
United States
20 Feb 2018
11
Pennsylvania Licenses Residential Mortgage Loan Servicers
Pennsylvania became the latest state to impose a licensing obligation on mortgage loan servicers.
United States
8 Jan 2018
12
Ohio Consolidates Its Mortgage Finance Licensing Laws Into A New Residential Mortgage Lending Act
On December 22, 2017, Ohio Governor Kasich signed into law Ohio House Bill 199, which will make significant changes in how the state will license and regulate mortgage lenders and brokers.
United States
4 Jan 2018
13
Fannie Mae And Freddie Mac Address Changes To Texas Home Equity Loans
Fannie Mae and Freddie Mac (the "agencies") have developed new uniform instruments for use with Texas home equity loans beginning January 1, 2018.
United States
21 Dec 2017
14
Arkansas Sanctions Unlicensed MSR Holders
While states continue in that direction, they have not been quick to take action against companies that acquire and hold mortgage servicing rights without a license.
United States
18 Dec 2017
15
Texas Voters Consider Big Changes to Home Equity Loan Restrictions
On November 7, Texas voters will have the opportunity to make some significant changes to the state's homestead equity loan restrictions.
United States
3 Nov 2017
16
It's All In The Timing: CFPB Addresses Timing Challenges In 2016 Mortgage Servicing Rules
On October 4, the CFPB issued an interim final rule and a proposed rule related to the 2016 Mortgage Servicing Final Rule to clarify the timing of and facilitate the provision of certain required...
United States
10 Oct 2017
17
FHFA Considers Limited English Proficiency Borrowers
When, if at all, should a mortgage lender or servicer be required to conduct business in a language other than English when the consumer has expressed a preference that language?
United States
19 Jul 2017
18
CFPB Prohibits Considering Down Payments for Non-QMs
Once again, the Consumer Financial Protection Bureau ("CFPB") is providing compliance tips through its Supervisory Highlights for lenders making non-Qualified Mortgages ("non-QMs").
United States
2 May 2017
19
Holders Of Kentucky Mortgage Servicing Rights Must Get License
Kentucky is giving entities that merely hold the rights to service residential mortgage loans just over two months to obtain a license, unless they can provide exemption documentation.
United States
3 Jan 2017
20
United States
21 Dec 2016
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