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Mortgage Related Laws and Regulations
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Public Law No 114-113
The Consolidated Appropriations Act, 2016 provides FY2016 appropriations; extends expiring tax provisions; and affects policies in areas including oil exports, intelligence, cybersecurity, health care, financial services, visa waivers, and conservation.

The bill provides appropriations for the federal government through the end of FY2016. The twelve regular appropriations bills included in the divisions of the bill increase discretionary spending above FY2015 levels, which reflects the increa...   Read More
Dec 18, 2015
 •  FAIR HOUSING ACT  •  FAIR LENDING  •  FANNIE MAE  •  FREDDIE MAC  •  SAFE ACT  •  RESIDENTIAL MORTGAGE LENDING  •  MORTGAGES
 
CA 13-15
The Federal Reserve is issuing the attached Interagency Statement on Fair Lending Compliance and the Ability-to-Repay and Qualified Mortgage Standards Rule to clarify supervisory expectations regarding fair lending compliance and the Ability-to-Repay and Qualified Mortgage Standards Rule (Ability-to-Repay Rule), which implements provisions of the Truth in Lending Act.

The statement sets forth the issuing agencies' view that the requirements of the Ability-to-Repay Rule, the Equal Credit Oppor...   Read More
Oct 22, 2013
 
ML 2012-25
This Mortgagee Letter (ML) clarifies portions of Risk Mitigation guidance (Mortgagee Letter 2010-21 and Housing Notice 2010-11) concerning Project Capital Needs Assessment (PCNA) reports and requirements for sizing initial and annual contributions to Reserves for Replacements. Appendix 5G of the MAP Guide is modified to implement risk mitigation measures and to align PCNA guidance for the multifamily insurance programs. A single scope of work is defined for PCNA reports for all applications unde...   Read More
Nov 21, 2012
 
OCC Bulletin 2011-41
This bulletin advises institutions supervised by the Office of the Comptroller of the Currency (OCC) of the appropriate names and addresses for notices required by the Community Reinvestment Act (CRA) and Equal Credit Opportunity Act (ECOA) and posters required by the Fair Housing Act (FHA).

On July 21, 2011, the transfer of former Office of Thrift Supervision (OTS) functions to the OCC, including the supervision of all federal savings associations, was completed. In addition, enforcement aut...   Read More
Oct 11, 2011
 
FIL-74-2010
FDIC Fair Lending Examination Specialists will host a Fair Lending Teleconference on Tuesday, November 16, 2010. This call will discuss how the FDIC reviews institutions flagged for disparities based on the Corporation's analysis of Home Mortgage Disclosure Act data. The call also will assist bankers in identifying areas of fair lending risk within their institutions' programs and processes.

Highlights:

- The teleconference is scheduled for November 16, 2010, from 2:00 to 4:00 PM EST.

-...   Read More
Nov 03, 2010
 
FIL-58-2008
The FDIC is issuing the attached supervisory guidance to remind FDIC-supervised financial institutions that if, for risk management purposes, they decide to reduce or suspend home equity lines of credit, certain legal requirements designed to protect consumers must be followed. In addition, the FDIC urges institutions to work with borrowers to minimize hardships that may result from such reductions or suspensions.

Highlights:

- In response to falling home prices and borrower financial diff...   Read More
Jun 26, 2008
 
CA 07-06
The Federal Reserve System's new center for centralizing the intake and administrative processing of consumer complaints and inquiries will be launched on November 16, 2007. As a result, all consumer complaints and inquiries will be directed to the new center, called Federal Reserve Consumer Help (FRCH). FRCH is housed in the Kansas City and Minneapolis Reserve Banks. The new address is:

Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480

Federal Register Notices were publish...   Read More
Oct 12, 2007
 
FIL-35-96
The FDIC's Division of Compliance and Consumer Affairs (DCA) has produced the enclosed financial institution help guide entitled Mortgage Loan Prequalifications:Applications or Not? The guide answers many questions about mortgage loan prequalification programs frequently posed to DCA examiners, regional managers and community affairs staff by lenders, consumers and others.

The guide will assist FDIC-regulated financial institutions to develop mortgage loan prequalification programs and servic...   Read More
Jul 03, 1996
 
42 USC 3601
The Fair Housing Act (FHA) protects people from discrimination when they are renting, buying, or securing financing for any housing. The prohibitions specifically cover discrimination because of race, color, national origin, religion, sex, disability and the presence of children.


NON-DISCRIMINATION PROVISIONS FOR MORTGAGE TRANSACTIONS

The Fair Housing Act makes it unlawful for any person or other entity whose business includes engaging in residential real estate-related transactions to d...   Read More
Apr 11, 1968
 
24 CFR 100
This regulation is issued under the authority of the Secretary of Housing and Urban Development (HUD) to administer and enforce title VIII of the Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988 (the Fair Housing Act). It provides the HUD's interpretation of the coverage of the Fair Housing Act regarding discrimination related to the sale or rental of dwellings, the provision of services in connection therewith, and the availability of residential real estate-relat...   Read More
 
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