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  CFPB amends ECOA, proposes HMDA guidanceThursday, September 21, 2017 Mortgage lenders will have more flexibility with regard to the Equal Credit Opportunity Act thanks to the Consumer Financial Protection Bureau’s newly finalized amendments to the rule. The bureau also released a proposed policy guidance that includes information about what Home Mortgage Disclosure Act data the bureau intends to make public. |
 Equifax execs exit as investigations continueThursday, September 21, 2017 Equifax recently announced that its internal investigation into factors that led to the security breach that could impact 143 million Americans has turned up new details. Two Equifax executives have stepped down in the wake of the breach. |
 Trades oppose small business lending detailsThursday, September 21, 2017 In response to the Consumer Financial Protection Bureau’s Request for Information (RFI) regarding small business lending reporting mandates, financial trade organizations expressed concern about the impact such requirements will have on smaller lenders’ ability to serve small businesses. |
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ABA notes drop in existing-home sales, housing startsThursday, September 21, 2017 The housing industry saw dips in existing-home sales and housing starts in August, according to information published by the National Association of Realtors and the U.S. Department of Commerce. The American Bankers Association highlighted some of the key findings on its blog. |
 Fannie Mae offers hurricane flexibilitiesThursday, September 21, 2017 To address concerns about loans impacted by Hurricanes Harvey and Irma, Fannie Mae has been proactive in making information about selling policies readily available to mortgage lenders and borrowers through various mediums.
 CBA announces 2018 leaders, advocacy prioritiesThursday, September 21, 2017 The Consumer Bankers Association recently announced that it has elected a new chairman of its Board of Directors, while also highlighting the organization’s legislative and regulatory priorities for 2018.
 CFPB report details UDAAP, communicationTuesday, September 19, 2017 The Consumer Financial Protection Bureau’s 16th edition of its Supervisory Highlights highlighted multiple instances where improper communication practices led to compliance issues at certain banks, debt collection companies and credit card providers.
 MBA whitepaper recommends CFPB changesTuesday, September 19, 2017 The Mortgage Bankers Association recently released a whitepaper, entitled “CFPB 2.0: Advancing Consumer Protection,” which examines the Consumer Financial Protection Bureau’s approach to enforcement and supervision, and offers recommendations for how the bureau could better fulfill its mission in moving forward.
 ‘Countdown to HMDA’ provides vital checklistTuesday, September 19, 2017 If you are like the majority of those whom attended October Research, LLC’s “Countdown to HMDA” webinar in September, you still have some work to do before Jan. 1, 2018, to feel confident that your company is fully ready to account for all of the changes to the Home Mortgage Disclosure Act.
 Senate confirms new HUD deputy secretaryTuesday, September 19, 2017 The Senate recently voted to confirm a new deputy secretary of the Housing and Urban Development, who will become the agency’s primary support to HUD Secretary Ben Carson.
 Trump nominates new FHA commissionerTuesday, September 19, 2017 President Donald Trump has nominated Brian D. Montgomery to become the U.S. Department of Housing and Urban Development’s next assistant secretary of housing and commissioner of the Federal Housing Administration.
 Congress presses Equifax on breach detailsFriday, September 15, 2017 Multiple congressional leaders are taking Equifax to task regarding the recent data breach that compromised sensitive information of approximately 143 million Americans.
 Court dismisses CFPB chokepoint caseFriday, September 15, 2017 A case filed by the Consumer Financial Protection Bureau accusing various individuals and companies of being involved in a debt collection scheme recently was dismissed because of the bureau’s inability to produce credible witnesses and its improper objections during proceedings.
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Host State Loan-to-Deposit Ratios 2016The Federal Reserve Board, Office of the Comptroller of the Currency and Federal Deposit Insurance Corp. have issued information on the host state loan-to-deposit ratios, which are used to determine compliance under Section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. Review the ratios in Dodd Frank Update’s Library. Fed, FDIC, OCC, Riegle-Neal |
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