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Regulatory News


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FHA seeks input on its single-family minimum property requirements

Thursday, June 4, 2026

On May 29, the Federal Housing Administration published a request for information in the Federal Register regarding single-family minimum property requirements which have “long supported the safety and soundness of the single-family homes the agency insures,” seeking to modernize the program.

Regulatory News

Wells Fargo enters $110M settlement to resolve allegations of hiring, lending discrimination

Monday, June 1, 2026

U.S. District Court judge in California granted final approval of a $110 million settlement resolving a lending and hiring discrimination lawsuit against Wells Fargo. Under the settlement agreement, Wells Fargo will create a $100 million borrower assistance fund for mortgage assistance.

Regulatory News

FHA streamlines assignment process for condo single-unit approval

Monday, June 1, 2026

The Federal Housing Administration (FHA) announced that it is making enhancements to FHA Connection to streamline internal processes for case number assignments for units in condominium projects eligible for single-unit approval.

Regulatory News

Advocacy group secures $2.25M settlement with Chicago, resolving fair housing, civil rights allegations

Thursday, May 28, 2026

Access Living, a leading advocacy organization for people with disabilities, announced the resolution of an eight-year-old civil rights lawsuit that alleged the city of Chicago funded and developed tens of thousands of affordable rental housing units without the required number of accessible units.

Regulatory News

FHA seeks comment on drafted updates to borrower eligibility requirements

Thursday, May 28, 2026

The Federal Housing Administration (FHA) posted a draft Mortgagee Letter (ML), entitled “Updates to Borrower Eligibility Requirements,” for review and feedback. The draft ML proposes new requirements for determining eligibility for borrowers with delinquent child support subject to federal administrative offset through an automated process to be implemented in the FHA Connection technology system.  

Regulatory News

HUD secretary addresses budget proposal to end CDBG program

Monday, May 25, 2026

Department of Housing and Urban Development (HUD) Secretary Scott Turner presented a statement on May 14 before the Committee on Appropriations, Subcommittee on Transportation, Housing and Urban Development, and Related Agencies regarding the president’s fiscal year 2027 budget. Turner addressed the end of the Community Development Block Grant program, the funds secured to aid aged-out foster youths and the reasoning for HUD’s relocation.

Regulatory News

CFPB appeals case about agency funding while lawmakers seek to roll back regulatory changes

Sunday, May 17, 2026

Consumer Financial Protection Bureau acting director Russel Vought submitted a notice of appeal to the U.S. Ninth Circuit Court of Appeals on May 11, challenging a lower court’s summary judgment in the case of Rise Economy, et al. v. Russell Vought, et al., which concerns agency funding. A few days later, lawmakers voted on several joint resolutions of disapproval seeking to roll back changes to the bureau’s regulatory guidance.

Regulatory News

DOJ secures $500K settlement in fair housing suit

Monday, May 11, 2026

The Department of Justice announced on April 27 that a Kentucky owner and manager of residential rental properties agreed to pay $510,000 to resolve allegations that he sexually harassed female tenants in violation of the Fair Housing Act.

Regulatory News

DOJ secures ‘second-largest ever’ settlement in FHA, discrimination case

Wednesday, May 6, 2026

The Department of Justice announced on April 30 that it secured the “second-largest [settlement] ever obtained by the department in an individual housing discrimination case.” The $750,000 settlement resolves allegations that Georgia apartment owners and managers violated the Fair Housing Act by refusing to grant a reasonable accommodation to a family who requested to move to a ground-floor unit.

Regulatory News

FHA updates environmental requirements for multifamily developments

Wednesday, May 6, 2026

On May 4, the Federal Housing Administration (FHA) issued a mortgagee letter entitled “Updates to Multiple Environmental Requirements for the Multifamily Accelerated Processing Guide,” to remove outdated provisions that have increased costs for lenders and developers seeking FHA-insured financing.

Regulatory News
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RESPA News Monthly
June 2026

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RESPert Holly Bunting talks RESPA litigation risk


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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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