By Carl G. Pry, CRCM. F ew topics have generated as much attention this year than the new 2018 HMDA rules, from the expanded definition of a HMDA-reportable application (any dwelling-secured loan or line of credit is now covered) to the vast increase in data that must now be collected and submitted. In order to implement these changes, the effort cannot be limited to just compliance personnel.

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However, affordable housing advocates welcomed the new rules. “Taken together, this data will provide a better picture of the market and make it easier for regulators. and type” of HMDA data. The.

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The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Featured Whether you want to put money aside for unexpected expenses or make a plan to save for your future goals, we have resources that can help.

CFPB Admits Loan Disclosure Rules Rollout Hasn’t Been smooth. homebuyers pay Price for New Rules. CFPB: We’re Working to Make New HMDA Implementation Easier. Cordray’s MBA Speech Heavy on Self-Praise, Silent on Controversies. Not Add New Ones. Millennials and Extended Families Could Qualify.

The Dodd-Frank Act specifically directed the CFPB to expand HMDA to include additional information. The CFPB will ask for small business feedback on these new requirements, including: Total points and fees, and rate spreads for all loans: For most consumers, a home is the biggest purchase they will ever make.

GSEs $17B bond auction endangers the mortgage bond market Registers of Deeds ask Iowa AG to postpone servicer settlement problem foreclosure investigation depths peers. – EPA abandons investigation into Wyo. water contamination – "If the EPA had any confidence in its draft report, which has been intensely criticized by state regulators and other federal agencies, it would proceed with the peer review process," said Energy In.. Florida foreclosure law firm faces closure after bar investigation.. peers into foreclosure problem depths.. permeated every step of.And to be sure, pending regulatory actions (for example, on the qualified residential mortgage rule) and the prospect of abolishing the GSEs are also holding private capital back. That’s why it’s at best premature, and at worse an ill-fated idea, to eviscerate the two mortgage giants.

The CFPB, under former Director Richard Cordray, hit Nationstar Mortgage last year with a $1.75 million fine for inaccuracies in its HMDA reporting. The carve-out may also provide a shield to small banks from being called out for discrimination based on data sets with limited sample sizes.

The goal is to make the mind-numbing mortgage process much easier for consumers to understand. It’s called Know Before You Owe, which sounds simple enough. The means to that goal, however, is all-new.

HMDA has been around for more than 40 years, and its primary purpose of monitoring discriminatory and predatory lending practices hasn’t changed. But the Consumer Financial Protection Bureau (CFPB) completely overhauled the regulation when it published a new final rule in October 2015. As a result, credit unions will face a whole host of . . .