United States: Charges, Mortgages, Indemnities

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.

Supreme Court Hears Arguments Regarding President Trump's Attempt To Remove Lisa Cook From The Fed Board Of Governors

The U.S. Supreme Court recently heard oral arguments in Trump v. Cook, involving the issue of whether the President may remove Lisa Cook as a member of the Board of Governors of the Federal Reserve Board.

United States Litigation

BS

Ballard Spahr LLP

Can You Convert A Conventional Loan To An FHA Loan After The Contract Is Signed?

Buyers often assume their mortgage choice is locked in the moment a contract is signed. In reality, loan programs can change during the transaction. What matters is whether that change alters the terms of the deal.

United States Real Estate

MA

Minchella & Associates

Mortgage Banking Update - January 23, 2026

January 23 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys.

United States Finance

BS

Ballard Spahr LLP

New Statutory Accounting Guidance Permits "Look-Through" Treatment For Residential Mortgage Loans Held By Insurers In Qualifying Statutory Trusts

The NAIC Statutory Accounting Principles (E) Working Group has adopted a revised version of Item 2025-13, amending Statement of Statutory Accounting Principles ("SSAP") No. 37...

United States Finance

MB

Mayer Brown

New York Finalizes CRA-Style "Equitable Access" Rules For Mortgage Bankers

United States Finance

SM

Sheppard Mullin Richter & Hampton

AGs' Interest In Capital One Savings Pays Off For Consumers

United States Finance

CO

Cozen O'Connor

US NAIC Fall 2025 National Meeting Highlights: Investment-Related Highlights

United States Insurance

MB

Mayer Brown

Mortgage Banking Update - January 8, 2026

United States Finance

BS

Ballard Spahr LLP

CFPB Adjusts HPML Asset Exemption Threshold

United States Finance

BS

Ballard Spahr LLP

Ohio Walks Back Prior Small Loan Act Guidance, Eases Licensing Position For Bank Partnerships

United States Finance

MB

Mayer Brown

Ohio Walks Back Prior Small Loan Act Guidance, Eases Licensing Position For Bank Partnerships

United States Finance

MB

Mayer Brown

Illinois Revamps The Scope Of Its Collection Agency Licensing Law

United States Finance

MB

Mayer Brown

Illinois Revamps The Scope Of Its Collection Agency Licensing Law

United States Finance

MB

Mayer Brown

Instructions For Facilitating A Child's Home Purchase

United States Finance

WD

Wiggin & Dana

Artificial Intelligence In ADR: A Neutral's Evolving Perspective

United States Technology

J

JAMS

Italy's Rising Tax Evasion Vs The United States' Is Higher, Even With The Voluntary Disclosure Program (VDP)

United States Tax

RS

Rotfleisch & Samulovitch P.C.

The X Factor In Mediation Success: Why A Consistent Client Experience (CX) Fosters Trust

United States Litigation

J

JAMS

Beyond Checkmate: Lessons From Chess In The Art Of Mediation

United States Litigation

J

JAMS

How I Learned To Love Mediator's Proposals - Why Modern Mediation Sometimes Calls For A Guiding Hand

United States Litigation

J

JAMS

Oregon Enters $1.56 Million Consent Order Over Alleged Excessive Interest Charges In Bank Partnership Lending Program

On December 8, the Oregon Department of Consumer and Business Services entered into a consent order with two affiliated companies resolving allegations of violations...

United States Consumer

SM

Sheppard Mullin Richter & Hampton

Today's Podcast Episode: The CFPB's Most Ambitious Regulatory Agenda Ever – Part 2

Today's episode features Part 2 of our November 4 webinar, "The CFPB's Most Ambitious Regulatory Agenda Ever." (Part 1 of this series was released on December 18.

United States Finance

BS

Ballard Spahr LLP

Cheat Sheet—FCA's New Targeted Support Regime—other Frequently Asked Questions (FAQs)

This will not be permitted at the outset but the Treasury will review the position in due course.

United States Consumer

AO

A&O Shearman

Mortgage Banking Update - December 18, 2025

December 18 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys. In this issue, our lawyers discuss H-1B and H-4 visa appointment disruptions...

United States Finance

BS

Ballard Spahr LLP

HUD Recently Announced The 2026 Loan Limits For FHA Forward Mortgages And HECMs

United States Finance

BS

Ballard Spahr LLP

Four Pillars Of Remedies For The Mortgage Loan In Default

United States Real Estate

SM

Sheppard Mullin Richter & Hampton

New York's Highest Court Says FAPA Applies Retroactively

United States Finance

GP

Goodwin Procter LLP

All's Well That Ends Well: The CFTC Amends Its Wells Notice Process And Other Rules Of Practice For The Better

United States Finance

KM

Katten Muchin Rosenman LLP

Crystallex Sale Approved And Lone Star Funds V. Republic Of Korea – ICSID Annulment Highlights Due Process In Investor-State Arbitration

United States Litigation

SJ

Steptoe LLP

New York Court Of Appeals Finds Foreclosure Abuse Prevention Act Constitutional Under Due Process

United States Litigation

GT

Greenberg Traurig, LLP

OFAC Announces $4.7 Million Penalty On Real Estate Investor For Dealing In Blocked Property Linked To Russian Oligarch

United States Real Estate

MB

Mayer Brown

CFPB Proposes Narrowing ECOA Regulations

United States Finance

MB

Mayer Brown

FHFA Announces 2026 Conforming Mortgage Loan Limits

United States Finance

BS

Ballard Spahr LLP

Anticipating Shutdown, CFPB Is Transferring Cases To DoJ

United States Finance

BS

Ballard Spahr LLP

OFAC Announces $4.7 Million Penalty On Real Estate Investor For Dealing In Blocked Property Linked To Russian Oligarch

On November 24, 2025, the US Office of Foreign Assets Control ("OFAC") announced a $4,677,552 penalty against an individual (acting through a US real estate investment company) for willfully purchasing...

United States Real Estate

MB

Mayer Brown

CFPB Proposes Narrowing ECOA Regulations

The Consumer Financial Protection Bureau ("CFPB") has issued its proposed rule scaling back the interpretation of and regulations under the Equal Credit Opportunity Act ("ECOA").

United States Finance

MB

Mayer Brown

FHFA Announces 2026 Conforming Mortgage Loan Limits

The Federal Housing Finance Agency (FHFA) recently announced the conforming loan limits for residential mortgage loans acquired by Fannie Mae and Freddie Mac in 2026.

United States Finance

BS

Ballard Spahr LLP

Anticipating Shutdown, CFPB Is Transferring Cases To DoJ

The CFPB is transferring all of its pending litigation to the Justice Department as a result of the funding crisis the Trump Administration has said the bureau faces...

United States Finance

BS

Ballard Spahr LLP

Ninth Circuit Decision Underscores Preemption Limits, Spotlights State-Level Banking Risk

United States Finance

PL

Polsinelli LLP

Mortgage Banking Update - November 6, 2025

November 6 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys.

United States Finance

BS

Ballard Spahr LLP

The Power Of A Simple Notice

New York Real Property Law § 291-f provides that where a recorded mortgage, or an instrument relating to such mortgage, contains an agreement referring to § 291-f and restricting the mortgagor's right...

United States Real Estate

CW

Cadwalader, Wickersham & Taft LLP

Pryor Cashman Represents Cirrus Real Estate Partners In $187M Loan Acquisition

Pryor Cashman represented Cirrus Real Estate Partners in connection with the acquisition, from a major overseas lender, of a $187,000,000 mortgage loan secured...

United States Real Estate

PC

Pryor Cashman LLP

Bipartisan AG Coalition Secures Shiny Win In Precious Metals Fraud Case

The U.S. District Court of the Central District of California has entered a final judgment in a case brought by a bipartisan coalition of state AGs and the U.S. Commodity Futures Trading Commission...

United States Finance

CO

Cozen O'Connor

Licensing Link October 2025

United States Finance

MB

Mayer Brown

Double Trouble In Tricolor: Risks In Collateral Misrepresentation

United States Finance

DL

Davis+Gilbert LLP

Continuing Update On Retroactive Application Of New York's Foreclosure Abuse Prevention Act

United States Finance

HK

Holland & Knight

Mortgage Banking Update - October 16, 2025

United States Finance

BS

Ballard Spahr LLP

Four States Settle With Mortgage Company For Alleged Unlicensed Activity

United States Commercial

SM

Sheppard Mullin Richter & Hampton

The Q4 Gauntlet: Navigating Data Blackouts, Tariff Showdowns, And The November Trade Deadline (Ankura Monthly Economic Report)

United States Strategy

AC

Ankura Consulting Group LLC

Do Not Throw Away Your National Bank Charter Just Yet

United States Finance

MV

Moore & Van Allen

New Maryland Law Lets Divorcing Homeowners Keep Their Mortgage-Without Refinancing

United States Family

JG

Joseph, Greenwald & Laake

Why Secured Transactions Are Important

United States Finance

SH

Scarinci Hollenbeck LLC

New California Law On Servicing Of Second Mortgages Causes Confusion Among Lenders And Servicers

United States Finance

SM

Sheppard Mullin Richter & Hampton

Mortgage Originators And Secondary Market Participants Take Note: The Final Rule On Automated Valuation Models Is Now Effective And Could Apply To You

United States Finance

MB

Mayer Brown

OCC Bulletins And Proposed Rules Provide Relief For Community Banks And Preview Potentially Broader Changes

United States Finance

MV

Moore & Van Allen

Government Shutdown Affecting Housing Programs, But Not Financial Regulators

United States Finance

BS

Ballard Spahr LLP

Mortgage Servicing Updates: North Carolina Enacts New Licensing Requirements And Adopts Prudential Standards

United States Finance

MB

Mayer Brown

CFPB Terminates HDMA And FCRA Consent Orders

United States Finance

SM

Sheppard Mullin Richter & Hampton

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Latest Videos

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Consumer Credit In Focus—DP 25/2 Mortgage Rule Review: The Future Of The Mortgage Market (Podcast)

AO

A&O Shearman

Don't Sign Blindly: The Costly Contract Mistakes You Must Avoid (Video)

C

Crowley Law LLC

Dealology – Purchase Price & Post-Closing Liability Tax Factors (Video)

CL

Cooley LLP

No Foreclosure Summary Judgment Without Refuting "Notice and Opportunity to Cure" Defense: Remember to "Say it Ain't So"

FR

Fox Rothschild LLP

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