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 Comment Letter to CFPB on Mortgage Closing Costs RFI
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MBA Joint Trades Letter on the CFPB’s RFI on Mortgage Closing Costs
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MBA Joint Letter to CFPB Requesting Reg X Extension
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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)
Related MBA Events
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School of Mortgage Banking II: April 2025: Charlotte, NC
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Commercial Real Estate Basics: Underwriting Office and Valuation: April 2025
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School of Mortgage Banking I: May 2025: Online
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Introduction to Mortgage Banking: May 2025: On Demand
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School of Mortgage Banking II: June 2025: Online
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School of Loan Origination: June 2025
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School of Mortgage Banking III: June 2025: Online
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School of Mortgage Banking I: July 2025: Washington D.C.
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School of Mortgage Banking II: July 2025: Washington D.C.
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School of Mortgage Banking I: August 2025: Online
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