Topic
Mortgage Rules
71 published works
Global Regulation Tomorrow
FCA publishes consultation paper in relation to mortgage rule changes
By Simon Lovegrove (UK), Charlotte Carnegie
On 9 June 2026, the Financial Conduct Authority (FCA) published a consultation paper (CP26/18) in relation to proposed changes to the mortgage rules aimed at helping more people to access…
Banking, Finance and Securities
FCA PS25/11: Mortgage Rule Review: First steps to simplify our rules and increase flexibility
By Simon Lovegrove (UK), Matthew Gregory (UK)
On 22 July 2025, the Financial Conduct Authority (FCA) published Policy Statement 25/11: Mortgage Rule Review: First steps to simplify our rules and increase flexibility (PS25/11). Background In line with…
Global Regulation Tomorrow
FCA announces temporary regulatory forbearance on MCOB 7.6.28.R
By Matthew Gregory (UK), Simon Lovegrove (UK)
On 14 July 2023, the FCA announced a temporary forbearance on MCOB 7.6.28.R. To support the Government’s Mortgage Charter, the FCA introduced changes to its rules enabling firms to allow…
Consumer Finance Monitor
Housing Market Industry Group Urges Supreme Court to Preserve CFPB’s Mortgage and Real-Estate Regulations Regardless of Constitutional Question’s Outcome
As the financial services industry continues to monitor the proceedings in Community Financial Services Association of America v. Consumer Financial Protection Bureau, an industry group composed of the Mortgage Bankers…
Property Insurance Coverage Law Blog
Upcoming Special Session of the Florida Legislature – How Legislation Could Affect You and Your Mortgage
By Kathryn Ray
During the upcoming special session of the Legislature, will Florida legislators be asked to pass laws that will violate standard mortgage requirements? On Tuesday, April 18, 2022, Governor Ron DeSantis…
Consumer Finance Monitor
President Biden replaces FHFA Director based on Supreme Court decision—Now what happens?
On June 23, 2021, President Biden replaced the Federal Housing Finance Agency (FHFA) Director Mark Calabria with Acting Director Sandra L. Thompson. The move was made possible by the decision…
Global Regulation Tomorrow
FCA sets out new guidance for mortgage providers and for lenders taking part in the Coronavirus Business Interruption Loan Scheme
By Joe Bamford (UK), Matthew Gregory (UK)
On 20 March 2020, the FCA published new guidance for mortgage providers and for lenders taking part in the Coronavirus Business Interruption Loan Scheme. In terms of mortgages, the new…
Consumer Finance Spotlight
How COVID-19 is Impacting Mortgage Lenders
By Diane Bettino, Greyson K. Van Dyke
As the sheer impact of COVID-19 continues to unfold, federal agencies are implementing policies across the country in an effort to lessen the financial burden on Americans. On March 18,…
Consumer Finance Monitor
CFPB to Assess TRID Rule’s Effectiveness
The Dodd-Frank Act requires the CFPB to conduct an assessment of each “significant rule” adopted by the Bureau. The Bureau has determined that the TILA/RESPA Integrated Disclosure (TRID) Rule qualifies…
Barry C. McGuire
Why It’s Hard to Get a Mortgage in Canada
Back in the good ol’ days before the world financial crisis of 2008, it was relatively easy for Canadians to get mortgages. Since then, successive governments have imposed increasingly strict…