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 House Financial Services on the CREDIT Act
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Joint Letter to CFPB on Regarding the Integrated Mortgage Disclosures under RESPA and TILA
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MBA Letter to CFPB on RFI Regarding the Integrated Mortgage Disclosures under RESPA and TILA
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MBA Letter to BCFP on RFI Regarding Tech Sprints
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MBA Letter to HUD on FR-6111-P-02 HUD's Implementation of the Fair Housing Act's Disparate Impact Standard
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Joint Letter to CFPB on QM Definition Under TILA
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MBA Letter to CFPB on QM Definition Under TILA
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Joint Letter to CFPB on Response to ANPR on the QM Definition
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Joint Letter to FHA on Proposed FHA Loan-Level Certification Statement and Defect Taxonomy Amendments
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MBA Letter to BCFP on Advance Notice of Proposed Rulemaking on Residential Property Assessed Clean Energy Financing
Related MBA Events
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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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Real-World Artificial Intelligence: The TRUE Story
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School of Mortgage Banking I: December 2024: Austin, TX
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School of Mortgage Banking II: December 2024: Austin, TX
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Commercial Real Estate Basics: Introduction to Commercial/Multifamily Real Estate: January 2025: On Demand
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School of Loan Origination: January 2025
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School of Mortgage Banking I: January 2025: Online
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Introduction to Mortgage Banking: January 2025: On Demand
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