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 Letter to CFPB on Transparency About Credit Report Pricing Increases
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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)
Related MBA Events
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School of Mortgage Banking I: July 2024: Washington D.C.
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School of Mortgage Banking II: July 2024: Washington D.C.
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Adding Reverse Mortgages to Your Business Line: The Roadmap
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FHA Section 232 Underwriter Virtual Training Program: 2024
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Rethink Everything: You “Know” To Be A Next Gen Loan Officer – A Deeper Dive With the Writers & Experts Webinar Series: Advocacy
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School of Mortgage Banking I: August 2024: Online
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Commercial Real Estate Basics: Underwriting Retail and Valuation: August 2024
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School of Multifamily Mortgage Banking: August 2024: Washington D.C.
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Adding Reverse Mortgages to Your Business Line: Regulatory/Compliance Considerations
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Transforming the Collaboration of Your Mortgage Production Team
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