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Regulatory Compliance

Caliber Home Loans fined $2.3M for overcharging California borrowers

Caliber Home Loans, California, HWmember, Mortgage, NewRez, Regulatory, Regulatory Compliance /

The California Department of Financial Protection and Innovation (DFPI) confirmed on Monday that it has reached a $2.3 million settlement with former mortgage lender and servicer Caliber Home Loans Inc. California regulators found that in 2016, Caliber overcharged borrowers per diem interest and later identified 4,912 affected loans between 2012 and 2019, totaling $550,316. These […]

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HUD’s English-only policy slams the door on the American Dream

Contributors, DEI, HUD, HWmember, Opinion, Real Estate, Regulatory, Regulatory Compliance /

“One voice” or no voice at all? As of August 2025, the U.S. Department of Housing and Urban Development (HUD) is officially enforcing an English-only policy across its operations. Under direction from the Trump administration’s executive order that declared English the “official language” of the United States, HUD has begun removing all translated materials from

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Mortgage lenders urged to build AI compliance foundations

AI Summit, AI Summit 2025, Colorado, Compliance, HWmember, Mortgage, Regulatory, Regulatory Compliance, Technology, Xactus /

Mortgage lenders deploying artificial intelligence should prepare now for Colorado’s comprehensive AI law that will take effect in February 2026 and rethink how they manage compliance risk. That’s according to Mike Brown, chief product officer at Xactus, and Wendy Lee, managing partner at LOGS Legal Group, who appeared on stage this week at HousingWire‘s AI

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Arizona homebuilders challenge groundwater restrictions

Arizona, Climate Change, homebuilder, Homebuilders, HWmember, Real Estate, Regulatory, Regulatory Compliance /

As Arizona grapples with rapid growth and a changing climate, long-standing groundwater regulations are being tested in courtrooms, boardrooms and booming desert suburbs. Developers and regulators are locked in a deepening dispute over how to manage the state’s finite water supplies — with the future of real estate, agriculture and sustainability hanging in the balance.

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FHFA plans to eliminate GSEs’ equitable housing finance plans

Fair Lending, Fannie Mae, FHFA, Freddie Mac, Government Lending, HWmember, Mortgage, Regulatory Compliance /

The Federal Housing Finance Agency (FHFA) is proposing to repeal its fair lending, fair housing and equitable housing finance rule, arguing that the regulation is duplicative that the repeal aligns with prior executive orders aimed at streamlining agency functions. The rule, finalized in May 2024 under the Biden administration, required Fannie Mae and Freddie Mac

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Michigan title agents suspended over escrow allegations

Detroit, HWmember, Lawsuit, Legal, Michigan, Real Estate, Regulatory, Regulatory Compliance, Title, Title insurance /

Two Oakland County, Michigan, title insurance agents have had their licenses suspended following allegations of misappropriating millions in escrow funds. The agents are also accused of failing to cooperate with auditors and a state investigation — as well as contributing to at least one homeowner’s foreclosure, according to a local news report. The Michigan Department

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California creates office dedicated to housing, homelessness issues

Affordability, California, Home Prices, Homebuilders, Homelessness, Housing Inventory, Housing Market, HUD, Politics, Regulatory, Regulatory Compliance /

In a move to overhaul how California manages its housing and homelessness response, Gov. Gavin Newsom has proposed to divide the state’s Business, Consumer Services and Housing Agency into two distinct entities — the California Housing and Homelessness Agency (CHHA) and the Business and Consumer Services Agency. With no veto coming from the California State

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Federal regulators scrap 2023 CRA rule

Community Reinvestment Act, Federal Deposit Insurance Corporation, Federal Reserve, HWmember, LendingLife, Mortgage, Office of the Comptroller of the Currency, Regulatory, Regulatory Compliance /

Three federal banking regulators announced on Wednesday the rescission of the Community Reinvestment Act (CRA) final rule issued in October 2023. The decision made by the governing boards of the Federal Reserve System, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corp. (FDIC) will result in the agencies reinstating

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State AGs oppose HUD’s plan to roll back fair housing marketing rules

Affordable housing, California, Discrimination, Fair Housing, Housing Market, HUD, HWmember, Marketing, Regulatory, Regulatory Compliance /

California Attorney General Rob Bonta — along with a coalition of 20 other attorneys general — is urging the U.S. Department of Housing and Urban Development (HUD) to abandon a proposed rule that would eliminate federal requirements prohibiting discriminatory marketing of affordable housing. In a letter sent to HUD on Thursday, the attorneys general argued

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What agents must know about telemarketing consent

Brokerage, Compass, Compliance, HWmember, Keller Williams, Lawsuit, Legal, Marketing, Real Estate, Real Estate Agents, Regulatory Compliance /

As class-action lawsuits continue against major real estate brokerages for alleged telemarketing violations, firms of all sizes are under increasing pressure to strengthen their compliance practices. According to attorney Michele Shuster, a founding partner of Mac Murray and Shuster LLP, staying within the bounds of federal and state telemarketing laws isn’t just a legal necessity

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