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Legislation


Results 1 - 10 of 230

Housing Affordability Act would raise FHA loan limit

Posted Date: Thursday, May 8, 2025
With the Housing Affordability Act, two senators are proposing to improve affordable housing availability by doing something that has not been done in more than 20 years – increasing the Federal Housing Administration loan limit.
Legislation

House committee votes to slash CFPB funding

Posted Date: Thursday, May 8, 2025

The House Financial Services Committee voted along party lines to approve a resolution to greatly reduce funding for the Consumer Financial Protection Bureau and to no longer allow the bureau to roll over unspent funds in its civil penalty fund from year-to-year.

Legislation

Trigger leads bills reintroduced in both House, Senate

Posted Date: Monday, April 14, 2025

Legislation aimed at banning the use of trigger leads in the real estate marketplace was reintroduced in the House and Senate. The bills are the latest in a series of bipartisan attempts to do so over the past half decade.

Legislation

Congressmembers demand details, oversight of DOGE cuts at HUD

Posted Date: Thursday, March 6, 2025

In a letter to U.S. Housing and Urban Development Department Secretary Scott Turner, U.S. Rep. Maxine Waters (D-CA), ranking member of the House Financial Services Committee, and 122 Democratic representatives shared concerns over staff and funding cuts at the department led by the Department of Government Efficiency.

Waters also asked the chairman of the House Financial Services Committee to “immediately” schedule a hearing with Turner about the cuts.

Legislation

Congress members relaunch bipartisan real estate caucus

Posted Date: Thursday, February 13, 2025

Four U.S. House representatives have relaunched the Bipartisan Congressional Real Estate Caucus for the 119th Congress. Several industry groups applauded the move.

Legislation

NY legislators want to enshrine federal fair housing protections into state law

Posted Date: Thursday, February 6, 2025

A group of New York state legislators introduced a bill that would protect federal fair housing rules by adding housing discrimination enforcement provisions into state law. It would incorporate the “disparate impact” standard into state law.

Legislation

Trigger lead bill resurrected, passed by Senate

Posted Date: Thursday, January 2, 2025

After the “Homebuyer Privacy Protection Act” was removed from the 2025 U.S. budget plan, many thought the measure limiting the use of trigger leads was not going to proceed. However, the Senate approved the bipartisan bill, and it now heads to the House.

Many industry groups applauded the action.

Legislation

Bipartisan housing act surpasses 100 sponsors

Posted Date: Thursday, December 12, 2024

The Neighborhood Homes Investment Act, introduced in March, celebrated an increase in the number of cosponsors, including Sen. Tim Scott (R-N.C.), the ranking member of the Senate Committee on Banking, Housing, and Urban Affairs. 

If passed, the legislation would promote programs and actions to revitalize distressed urban, suburban, and rural neighborhoods in hopes to increase the number of affordable, move-in ready homes.

Read on for more details.

Legislation

New York passes ‘most pro-housing’ proposal in state history

Posted Date: Thursday, December 12, 2024
New York City Mayor Eric Adams and other city leaders celebrated the passing of what they called “the most pro-housing zoning proposal in New York City history.”

The City of Yes proposal, which the New York City Council voted in favor of this week, will enable the creation of 80,000 new homes over the next 15 years and invest $5 billion towards critical infrastructure updates and housing, with $1 billion committed toward housing capital.

Read on for more details.
Legislation

Bill aimed at trigger leads ‘removed’ from 2025 budget

Posted Date: Monday, December 9, 2024
An advocacy group announced a Senate amendment aimed at limiting the use of trigger leads is unlikely to pass this year, as it was removed from the 2025 budget plan Congress is considering.

Read on for more details.
Legislation
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May 2025

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CFPB asks to vacate settlement with Townstone, citing misconduct by CFPB


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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