Mortgage Rules

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Articles & Press Releases

Title Publication Date
ICBA backs state standards for nonbank mortgage servicers NewsWatch Today Article 01/05/21
FHFA raises conforming loan limits for 2021 NewsWatch Today Article 11/25/20
FHFA issues 2021 multifamily loan purchase caps NewsWatch Today Article 11/18/20
ICBA to Participate in 'Sandbox' Project to Improve Mortgage Rules Press Release 10/01/20
Regulator council backs stricter GSE capital standards NewsWatch Today Article 09/28/20
ICBA Statement on Fannie Mae/Freddie Mac Decision to Impose 50 Basis Point Fee on Mortgage Refinances Press Release 08/13/20
FHFA extends policy on forbearance loan purchases NewsWatch Today Article 08/03/20
FSOC to review secondary mortgage market NewsWatch Today Article 07/15/20
CFPB begins implementing escrow exemption NewsWatch Today Article 07/06/20
Agencies issue 2019 HMDA data NewsWatch Today Article 06/25/20
FHFA issues final rule on FHLBank housing goals NewsWatch Today Article 06/05/20
CFPB issues No-Action Letter templates NewsWatch Today Article 05/26/20
USDA extends housing program exceptions NewsWatch Today Article 05/18/20
FHFA: GSEs will purchase qualified loans in forbearance NewsWatch Today Article 04/23/20
ICBA seeks delay in new Qualified Mortgage rule NewsWatch Today Article 04/21/20
ICBA urges liquidity facility for mortgage servicers NewsWatch Today Article 04/13/20
ICBA, groups urge agencies to delay QRM review NewsWatch Today Article 02/03/20
Calabria: FHFA leveling housing-finance playing field NewsWatch Today Article 01/24/20
ICBA to FHFA: reconsider pooling requirements NewsWatch Today Article 01/22/20
ICBA continues support for debt-to-income standard NewsWatch Today Article 01/22/20
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Related Links

Ability to Repay/Qualified Mortgage Standards

Affordable Housing Guidance

Appraisals for Higher-Priced Mortgage Loans

TILA-RESPA Integrated Disclosure (TRID)

Letters to Congress

Title Recipient Date
Coalition Support Letter Regarding S3533 - HR 6364 SECURE Notarization Act
116th Congress
03/26/2020
Joint Letter Supporting TRID Improvement Act of 2018 (S. 2490)
U.S. Senate
07/12/2018
Thank You for Introducing the Community Institution Mortgage Relief Act of 2017
Representative Tenney
09/06/2017
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Letters to Regulators

Title Recipient Date
Seasoned QM NPR Comment Letter
CFPB
10/01/2020
Comment Letter on CFPB Escrow Proposed Rule
CFPB
09/21/2020
Submitted consumer portal request letter
Treasury, FHFA, CFPB, HUD
05/04/2020
Coalition Letter on Timeline for QM Rulemaking
CFPB
04/20/2020
Support for mortgage servicer liquidity facility
Treasury, Fed, FHFA
04/10/2020
Joint Trade Letter QRM Review Credit Risk Retention
OCC, Fed, FDIC, FHFA, DHUD, SEC
01/31/2020
Joint Letter on Qualified Mortgage Rulemaking
CFPB
01/21/2020
Comment Letter on TILA-RESPA Integrated Disclosure Rule (TRID)
CFPB
01/21/2020
Comment Letter on HMDA Data Points
CFPB
10/15/2019
ICBA Letter on "QM Patch"
CFPB
09/16/2019
Comment Letter on HMDA Reporting Thresholds
CFPB
06/12/2019
Comment on Proposal Affecting Residential PACE Financing
CFPB
05/07/2019
Comment Letter on Mortgage Appraisal Proposed Rule
FDIC, Fed, OCC
02/05/2019
Comment Letter on Data Collection Policies
Consumer Financial Protection Bureau
12/27/2018
Joint Letter on Mortgage Originator Compensation Rules
Bureau of Consumer Financial Protection
09/26/2018
Joint Letter on CFPB Mortgage Servicing Rule
CFPB
02/08/2018
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Testimonies

Title Committee Presenter Date
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Summaries

Title Content Type Date
ICBA Summary of Regulation C, the Home Mortgage Disclosure Act
ICBA Summaries
10/29/2018
ICBA Summary of the TILA Higher-Priced Mortgage Loan (HPML) Appraisal Rule
ICBA Summaries
12/01/2016
ICBA Summary of Small Creditor Home Mortgage Lending Operations in Rural Areas under the TILA (Regulation Z) Interim Final Rule
ICBA Summaries
11/07/2016
Summary of Mortgage Servicing Rules (RESPA and TILA)
10/01/2016
Summary of Mortgage Loan Originator Qualification and Compensation Practices (RESPA and TILA)
ICBA Summaries
10/01/2016
ICBA Summary of the HighCost Mortgage / Home Ownership and Equity Protection (HOEPA) Rule
ICBA Summaries
06/01/2016
ICBA Summary of the TILA Higher-Priced Mortgage Loan (HPML) Escrow Rule
ICBA Summaries
04/01/2016
ICBA Summary of the Ability-to-Repay/Qualified Mortgage Rule
ICBA Summaries
04/01/2016
ICBA Summary of the Small Creditor Home Mortgage Lending Operations in Rural Areas under the TILA (Regulation Z) Interim Final Rule
ICBA Summaries
03/01/2016
ICBA Summary of the Final Rule Expanding the "Small Creditor' and "Rural" Definitions in the Regulation Z Mortgage Rules
ICBA Summaries
10/01/2015
ICBA Summary of the TILARESPA Integrated Disclosure (TRID) Rule
ICBA Summaries
10/01/2015
ICBA Tips for Responding to Public Requests for Home Mortgage Disclosure Act (HMDA) Data
ICBA Summaries
05/01/2014
Summary of Mortgage Loan Originator Qualification and Compensation Practices
ICBA Summaries
02/12/2013
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Summaries

Title Content Type Date
ICBA Summary of Regulation C, the Home Mortgage Disclosure Act
ICBA Summaries
10/29/2018
ICBA Summary of the TILA Higher-Priced Mortgage Loan (HPML) Appraisal Rule
ICBA Summaries
12/01/2016
ICBA Summary of Small Creditor Home Mortgage Lending Operations in Rural Areas under the TILA (Regulation Z) Interim Final Rule
ICBA Summaries
11/07/2016
Summary of Mortgage Servicing Rules (RESPA and TILA)
10/01/2016
Summary of Mortgage Loan Originator Qualification and Compensation Practices (RESPA and TILA)
ICBA Summaries
10/01/2016
ICBA Summary of the HighCost Mortgage / Home Ownership and Equity Protection (HOEPA) Rule
ICBA Summaries
06/01/2016
ICBA Summary of the Ability-to-Repay/Qualified Mortgage Rule
ICBA Summaries
04/01/2016
ICBA Summary of the TILA Higher-Priced Mortgage Loan (HPML) Escrow Rule
ICBA Summaries
04/01/2016
ICBA Summary of the Small Creditor Home Mortgage Lending Operations in Rural Areas under the TILA (Regulation Z) Interim Final Rule
ICBA Summaries
03/01/2016
ICBA Summary of the Final Rule Expanding the "Small Creditor' and "Rural" Definitions in the Regulation Z Mortgage Rules
ICBA Summaries
10/01/2015
ICBA Summary of the TILARESPA Integrated Disclosure (TRID) Rule
ICBA Summaries
10/01/2015
ICBA Tips for Responding to Public Requests for Home Mortgage Disclosure Act (HMDA) Data
ICBA Summaries
05/01/2014
Summary of Mortgage Loan Originator Qualification and Compensation Practices
ICBA Summaries
02/12/2013
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