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December 2025

FTC issues warnings to rental software firms on price transparency

Federal Trade Commission, HWmember, Legal, Real Estate, RealPage, Regulatory, Rent Prices, Rental Properties /

A week after settling a lawsuit with rental property management company Greystar, it appears the Federal Trade Commission’s (FTC) involvement in the rental property management space is not waning.  On Tuesday, the government regulator announced that it had sent letters to 13 property management software providers nationwide warning them that they may be violating the […]

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Evolve faces suit over massive data theft

Cyber security, Fraud, Law and legal issues, Mortgage technology /

A class action lawsuit claims a ransomware gang stole more than 20 terabytes of information from vendor Evolve Mortgage Services in a purported incident the company has not disclosed. Former employee Rebekah Hardy sued Evolve last month in a Texas federal court for negligence, for failing to protect consumers’ data in a breach which allegedly

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Mortgages delinquencies may inch up amid affordability pressures

Credit, Risk management, Servicing /

Consumer credit is broadly stable but historically low mortgage delinquencies could drift upward in the coming year, according to Transunion’s latest forecast. The average mortgage delinquency rate that ended 2024 at 1.39% and is on track to reach 1.54% by the end of this year may be 1.65% by the time 2026 is over. Other

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Can The Fed Pull Mortgage Rates Off The Ceiling?

Uncategorized /

Mortgage rates were surprisingly steady on Tuesday with most lenders roughly in line with Monday’s levels. Why surprising?  Because the bond market was noticeably weaker and bonds dictate day to day mortgage rate movement. In Tuesday’s case, we can actually reconcile the steadiness with the timing of bond market movement. Specifically, bonds didn’t lose ground

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DOJ says CFPB’s preliminary injunction cannot be modified

DOJ says CFPB’s preliminary injunction cannot be modified

Litigation, Regulation and compliance, Trump administration /

Bloomberg News Key Insight: The Justice Department told a federal court that an existing preliminary injunction does not require the acting director to request funding.  What’s at Stake: Acting CFPB Director Vought has said the agency will run out of money in early 2026 and all employees will be furloughed, placed on mandatory, unpaid leave.

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Hometap’s new funding caps a big year for HEI growth

Hometap’s new funding caps a big year for HEI growth

Home equity loans, Industry News, LOAN PRODUCTS, Venture Capital /

Shared-appreciation contract provider Hometap announced a new capital raise this week, which comes at the end of a year when several tailwinds helped fuel growth for equity investment products and loans.   The Boston-based home equity investment platform this week secured $50 million in new funding led by affiliates of Gallatin Point Capital. The company plans

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Buyers and sellers fear housing market crash in 2026

Home Prices, Housing markets, MARKETING TO BORROWERS /

Many Americans in the housing market fear a real estate downturn in the new year, while nearly all anticipate challenges, a new consumer survey shows. Forty percent of Americans planning to buy or sell a home in 2026 worry about a potential market crash, and 98% of them expect challenges, according to a new report from

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Ruling reshapes foreclosure challenges in New York

Ruling reshapes foreclosure challenges in New York

Foreclosures, Regulation and compliance, Servicing /

A court’s ruling in a closely watched case involving New York’s six-year statute of limitations puts pressure on related parties to confirm that the entity initiating a foreclosure lawsuit is a noteholder with standing. The New York Court of Appeals ruled in Article 13 LLC vs. Ponce De Leon Federal Bank that an interpretation of

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Democrats want CFPB’s Vought to testify before Congress

Democrats want CFPB’s Vought to testify before Congress

Litigation, Regulation and compliance, Trump administration /

Bloomberg News What’s at Stake: Acting CFPB Director Russell Vought is dismantling the Consumer Financial Protection Bureau. He had refused to respond to any questions about his actions from Democrats. Supporting Data: The Dodd-Frank Act requires that the CFPB director appear twice a year before the Senate Banking Committee. Forward Look: The lawmakers acknowledge that

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ARM, refi products widen credit access

LOAN PRODUCTS, Mortgage Rates, Originations, Underwriting /

Mortgage credit availability ended November at its loosest since August 2022, driven by additions of adjustable rate and cash-out refinance products to lenders’ menu, the Mortgage Bankers Association said. The 0.7% month-to-month rise in the Mortgage Credit Availability Index continues a streak which for every month in 2025 except January it was above the 100

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