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Commentary on Dodd-Frank Act, Title XIV - Anti-Predatory Lending Provisions for Residential Mortgage Loans

In this Analysis, Stephen Ornstein, Matthew Yoon, and John Holahan, of SNR Denton, discuss the anti-predatory lending provisions of the historic Dodd-Frank Act. Prescribing a host of new standards for residential mortgage loans, Title XIV is one of the most far-reaching provisions of the bill, creating...

RoboSigner

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Mortgage Wars Part 2--Attack of the Robo-Signers

The first post in this series discussed successful and (largely) unsuccessful claims brought against mortgage servicers. In Ashley Martins v. BAC Home Loans Servicing, LP , No. 12-20559 (5th Cir. 6/26/13) [ an enhanced version of this opinion is available to lexis.com subscribers ] (also discussed in...

Agencies Address Fair Lending Concerns of Industry and Indicate that ECOA, Ability-to-Repay Rule Compatible

by Haydn J. Richards, Jr. and Heather C. Hutchings In an October 22, 2013 statement released by the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the National...

Are You Ready? New Dodd-Frank Mortgage Rules Set for Early 2014

In the 1970s, the expression “future shock” made its way into common use. It started, of course, with Alvin Toffler’s hugely successful book with that phrase as its title. Like others, Toffler had observed the overwhelming effects on post-industrial societies that were experiencing...

FHA Establishes Lender Self-Reporting Requirements

by Zafreen J. Husain In June 2013, the Consumer Financial Protection Bureau (CFPB) issued Bulletin 2013-06 to encourage lenders to self-report serious violations in order to advance the CFPB’s enforcement mission. To complement the CFPB’s bulletin, the Federal Housing Administration (FHA...