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.

FTC Seeks Comment On Potential Rule To Address Unfair Or Deceptive Rental Housing Fee Practices

On March 12, 2026, the Federal Trade Commission (FTC) issued an Advanced Notice of Proposed Rulemaking (ANPRM) seeking public comment on a proposed...

United States Finance

GT

Greenberg Traurig, LLP

Massachusetts Settlement Targets Mortgage-Backed "Homeowner Benefit” Agreements

On March 11, Massachusetts Attorney General Andrea Joy Campbell announced a consent order with a real estate-related lender’s subsidiary...

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

APAC Monthly Private Wealth Legal Developments - February 2026

ASIC has released its financial advice update for February 2026, covering the following developments and issues affecting financial advice...

Worldwide Wealth Mgt

KL

Herbert Smith Freehills Kramer LLP

Mortgage Pre-Approval Letter Misrepresentations May Trigger Chapter 93A Claims

In Bokhari v. North Eastern Savings Bank, the Massachusetts Superior Court allowed a Chapter 93A claim to proceed to trial against a lender based...

United States Finance

GT

Greenberg Traurig, LLP

Mortgage Banking Update - March 19, 2026

United States Finance

BS

Ballard Spahr LLP

Sunsets And Loan Repurchase Provisions

United States Finance

GP

Goodwin Procter LLP

New Executive Orders Aim To Promote Access To Mortgage Credit And Expand Construction Of Affordable Homes

United States Real Estate

MB

Mayer Brown

Executive Order Seeks To Promote Mortgage Lending By Community And Smaller Banks Through Easing Regulatory Requirements

United States Finance

BS

Ballard Spahr LLP

US Senate Advances Housing Legislation That Includes A Ban On Institutional Investors Purchasing Single-Family Homes

United States Real Estate

MB

Mayer Brown

Raising The Limit: FINRA Amends Gift Rule (Rule 3220)

United States Finance

SA

Skadden Arps Slate Meagher & Flom

Oregon Moves To Opt Out Of Federal Interest-Rate Exportation For Consumer Loans

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Mortgage Banking Update - March 5, 2026

United States Finance

BS

Ballard Spahr LLP

Unveiling The Homebuyers Privacy Protection Act: Safeguarding Consumer Data In Mortgage Transactions

United States Privacy

LB

Lewis Brisbois Bisgaard & Smith LLP

Vice Chair Bowman Talks Tailoring

United States Finance

CW

Cadwalader, Wickersham & Taft LLP

Back To School 2025: Title IX Updates And How ADR Can Help Universities Resolve Disputes (Podcast)

United States Litigation

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JAMS

What Europe's Renewable Energy Struggles Can Teach U.S. Regulators About Dispute System Design

United States Litigation

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JAMS

Colorado "Opt-Out" Litigation – Petition For Rehearing En Banc And Amicus Briefs In Support

United States Finance

BS

Ballard Spahr LLP

Signed, Sealed, But Not Delivered? Don't Wonder About Taxes Under New Postal Service Rules

United States Tax

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Nossaman LLP

What Every Multinational Should Know About…Managing The Aftermath Of The Supreme Court's IEEPA Tariff Decision (Part I)

United States International

FL

Foley & Lardner

Commonhold Reform: What The Draft Bill Tells Us

The Government's Commonhold and Leasehold Reform Bill has now been published in draft, following the Commonhold White Paper...

United States Real Estate

WB

Womble Bond Dickinson

Florida District Court Upholds CFPB's Residential PACE Rule

On February 12, the U.S. District Court for the Middle District of Florida upheld the CFPB's final rule applying mortgage-style requirements to Residential Property Assessed Clean Energy...

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

FINRA Triples Long-Standing Annual Gift Limit

The Financial Industry Regulatory Authority (FINRA) amended Rule 3220 to increase the annual gift limit to $300 per recipient, tripling the long-standing $100 limit.

United States Finance

HK

Holland & Knight

NAIC Working Group Discusses Potential Changes To Life Risk-Based Capital Factors For Certain Asset Classes

On Tuesday, February 10, 2026, the Life Risk-Based Capital (E) Working Group (Life RBC WG) held an interim meeting via teleconference, led by newly appointed Chair...

United States Insurance

MB

Mayer Brown

Court Of Appeal Confirms Transferee Lender May Maintain Inherited SVR And Clarifies Limits Of CCA Unfair Relationship Remedies For Regulated Mortgages

United States Finance

KL

Herbert Smith Freehills Kramer LLP

Supreme Court Of Ohio Concludes That Mortgage Borrowers Do Not Need To Suffer Actual Harm To Recover Monetary Damages If Lender Fails To Timely Record Mortgage Release

United States Litigation

CH

Calfee Halter & Griswold

Mortgage Banking Update - February 19, 2026

United States Finance

BS

Ballard Spahr LLP

New York State Department Of Financial Services Adopts Regulations Implementing The Community Reinvestment Act Covering Mortgage Bankers

United States Finance

MB

Mayer Brown

Low Rates, High Risk: Mortgage Buydowns And A Coming Wave Of AG Enforcement

United States Finance

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Benesch Friedlander Coplan & Aronoff LLP

Getting Legal Architecture Right On Luxury Mixed-use

United States Real Estate

MB

Mayer Brown

CREF Roundup | Week 6, 2026

United States Real Estate

FB

FBT Gibbons

Mortgage Banking Update - February 5, 2026

United States Finance

BS

Ballard Spahr LLP

HUD Revised Foreclosure Bidding Process For FHA Loans

United States Finance

BS

Ballard Spahr LLP

Inside Year One: Finance Developments Under A New Administration

United States Finance

BS

Ballard Spahr LLP

CREF Roundup | Week 6, 2026

The CREF Roundup is a periodic digest of noteworthy developments, insights, and commentary in the world of commercial real estate finance (CREF).

United States Real Estate

FB

FBT Gibbons

Mortgage Banking Update - February 5, 2026

February 5 – 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

HUD Revised Foreclosure Bidding Process For FHA Loans

The U.S. Department of Housing and Urban Development (HUD) recently revised the requirements for bidding at a foreclosure sale and for utilizing Claims Without Conveyance of Title (CWCOT)...

United States Finance

BS

Ballard Spahr LLP

Inside Year One: Finance Developments Under A New Administration

A year into President Trump's second term, policy signals from Washington are increasingly influencing capital allocation, underwriting assumptions, and sector-level opportunity.

United States Finance

BS

Ballard Spahr LLP

DFPI Orders Mortgage Lender To Pay $160,000 For Alleged Unlicensed Mortgage Loan Originator Activity

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

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

On January 7, the NYDFS finalized a rule amending its banking regulations to implement New York's state Community Reinvestment Act requirements for certain nonbank mortgage lenders.

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

AGs' Interest In Capital One Savings Pays Off For Consumers

Capital One reached a $425 million class action settlement with its 360 Savings customers, resolving claims that the bank misled customers and deprived them of higher interest...

United States Finance

CO

Cozen O'Connor

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

This update reports on selected investment-related topics from the NAIC's Fall National Meeting, December 8-11, 2025, as well as a number of interim developments that took place between the NAIC's Summer...

United States Insurance

MB

Mayer Brown

Mortgage Banking Update - January 8, 2026

January 8 – 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

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

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

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

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

United States Finance

BS

Ballard Spahr LLP

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

United States Consumer

AO

A&O Shearman

Mortgage Banking Update - December 18, 2025

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 LLP

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

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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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