Consumer Financial Protection Bureau (CFPB) Origination Issues
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The CFPB administers and enforces the most significant rules governing the mortgage market. It is charged both with regulating the consumer financial legal landscape and promoting consumer financial opportunities. MBA supports both of the Bureau’s
statutory mandates and advocates for improvements and clarifying interpretations on the QM rule, the Loan Originator compensation rule, RESPA servicing rule, TRID, ECOA, and the other key statutes under the Bureau’s authority. We also work to ensure
that the Bureau lays out clear rules of the road to follow rather than try to use enforcement actions to outline industry responsibilities.
Recent MBA Activity Related to Consumer Financial Protection Bureau (CFPB) Issues
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MBA Letter to CFPB on Fees for Instantaneously Declined Transactions
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MBA Letter to the FTC on Trade Regulation Rule on Unfair or Deceptive Fees
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MBA Letter to FCC on Revocation of Consent under the Telephone Consumer Protect Act
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MBA Comment Letter to CFPB on Section 1033
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MBA Recommendation Letter to CFPB to Modernize the Mortgage Servicing Rules of Regulation X
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MBA Joint Letter to CFPB on Residential Property Assessed Clean Energy Financing (Regulation Z)
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MBA Letter to Financial Stability Oversight Council (FSOC) on Proposed SIFI Designation Guidance
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MBA Joint Comment Letter on CFPB’s Statement of Policy Regarding Prohibition on Abusive Acts or Practices
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MBA Letter to CFPB on the Real Estate Settlement Procedures Act (Regulation X)
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MBA Comment Letter on the CFPB’s Loan Originator Compensation Rules
Related MBA Events
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School of Multifamily Mortgage Banking: August 2024: Washington D.C.
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Transforming the Collaboration of Your Mortgage Production Team
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School of Mortgage Banking I: September 2024: Dallas, TX
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School of Mortgage Banking II: September 2024: Dallas, TX
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School of Mortgage Banking I: October 2024: Online
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School of Loan Origination: October 2024
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School of Mortgage Banking II: November 2024: Online
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School of Multifamily Mortgage Banking: November 2024: Houston, TX
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Commercial Real Estate Basics: Underwriting Multifamily and Valuation: November 2024
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School of Mortgage Banking I: December 2024: Austin, TX
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