Here are a few recent, notable developments related to U.S. mortgage law/compliance that have been covered in legal/regulatory updates:
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CFPB action on the “1071 Rule” (small-business lending data): A recent mortgage-industry legal update reports that the CFPB adopted a final rule extending compliance dates for the 1071 Rule, and discusses related litigation and the CFPB’s stated plans to issue further rulemaking.[1]
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Rulemaking/foreclosure-related state legislation (California): A legal analysis notes that California passed new mortgage-borrower protections, including foreclosure notification and sale requirements for mortgage lenders, effective January 1, 2025.[3]
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Broader mortgage regulatory tracking (industry news sources): Mortgage-focused news outlets are actively publishing updates (e.g., Mortgage News Daily), which often cover changes to servicing/foreclosure practice, regulatory guidance, and enforcement trends.[6]
Quick question (so I can narrow it down)
When you say “mortgage law,” do you mean:
1) U.S. federal rules (CFPB/Regulation Z/RESPA/TILA),
2) foreclosure & servicing rules, or
3) a specific state (you’re in Texas—should I focus on Texas mortgage/foreclosure developments)?
Reply with (1/2/3) and (if relevant) the state, and I’ll tailor the “latest news” list to that scope.
Sources
RESPAnews.com is the first and only online publication dedicated to covering all of the issues and news related to the Real Estate Settlement Procedures Act (RESPA).
www.respanews.comOctober 16 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys. In this issue, our lawyers discuss how the government shutdown is affecting housing programs but not financial regulators, the CFPB’s adoption of a final rule extending compliance dates for the 1071 Rule, recent consumer financial services developments at the FTC, and much more.
www.ballardspahr.comOn September 22, 2025, California Governor Gavin Newsom signed Assembly Bill 238, which took immediate effect as an urgency statute. The new Mortgage Forbearance Act (the Act) can be found in section 3273.20 et seq. of the...more On September 22, 2025, California Gov. Gavin Newsom signed the Mortgage Forbearance Act into law, with an immediate effective date. The law, designed to provide emergency relief to California mortgage loan borrowers impacted...more
www.jdsupra.comComprehensive news and analysis of the Dodd-Frank Act
www.doddfrankupdate.comOn September 20, Governor Newsom signed AB 2424, which establishes a significant set of new foreclosure notification and sale requirements for mortgage lenders. The law is effective as of January 1, 2025....more
www.jdsupra.comGet the latest mortgage lending industry updates from Fannie Mae, the CFPB, and more to improve your financial institution’s compliance management system.
www.ncontracts.comDecember 19 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys. In this issue, we discuss end-of-year happenings at the FTC, a slew of rules issued by the CFPB this week, the latest industry insights about the incoming new administration, and much more.
www.ballardspahr.com