Regulation

Over 20 mortgage and real estate-related trade groups are urging Congress to provide a hold harmless period till Feb. 1 for any errors regarding implementation of the integrated Respa-TILA mortgage disclosures.

The Federal Reserve on Friday issued a final rule laying out how its regulatory capital rules would apply to banks with nontraditional institutional investors – such as limited liability corporations or partnerships – that hold controlling interests.

The Consumer Financial Protection Bureau announced Thursday that it had hit Clarity Services, a Florida-based consumer credit reporting company, with an $8 million fine over Fair Credit Reporting Act violations.

Issues with upgrading software and ensuring pricing accuracy to comply with the consumer bureau's "integrated disclosures" have been magnified in wholesale loan transactions.

Legislative proposals to reform the housing finance system have failed to garner enough support, but a surprisingly simply reform idea is in plain sight: deeper private mortgage insurance coverage.

If a forum hosted by the Treasury Department this week on economic inclusion showed anything, it was that bankers, financial technology firms and policymakers continue to struggle with how to bring more people into the financial mainstream.

Attempts to sneak provisions into a final budget deal may be sold as helping community banks, but many of the measures really help big banks and undermine consumer protection.

The Senate approved a massive, five-year transportation bill Thursday night, with the package now on its way to the White House where it is expected to be signed.

A pending bill that deals with the Federal Reserve's policy methodology doesn’t force the Fed into a corner but merely tries to foster meaningful dialogue between Congress and the central bank.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.