Worldwide: Charges, Mortgages, Indemnities

The 21st Century ROAD to Housing Act represents the most significant federal housing legislation in three decades, combining comprehensive provisions to address affordable housing supply through regulatory relief for community banks, increased investment caps, and reforms to FHA lending standards. What implications will this landmark bipartisan legislation have for mortgage lenders, institutional investors, and the future of affordable housing in America?

California's Department of Financial Protection and Innovation imposed an $825,000 penalty on Academy Mortgage Corporation following a 2023 ransomware attack, finding that inadequate cybersecurity documentation and governance failures constituted substantive violations.

On August 11, 2026, a coalition of ten state attorneys general filed suit in the U.S. District Court for the District of Oregon challenging two OCC rules that preempt certain state laws...

Congress has passed legislation to reauthorize partial claims with VA-guaranteed home loans, providing relief options for veterans facing foreclosure. The VA has announced implementation timelines for servicers to integrate this program into their systems, with the program opening for submissions in mid-2026.

You have found a business you want to buy. The seller has an existing SBA loan with a solid interest rate, and the idea of simply stepping into their shoes — taking over the loan along with the business — sounds...

The Texas Constitution imposes some of the nation's most stringent requirements on home equity lending, with severe penalties for lenders who fail to comply.

The NAIC Life Risk-Based Capital Working Group is deliberating significant changes to how collateral loans are treated in risk-based capital calculations, with industry stakeholders proposing various frameworks that...

HUD has published its 2026 Income Limits, which serve as the IRS's safe harbor guidance for single family mortgage revenue bonds and mortgage credit certificates. Issuers have flexibility in choosing between current and previous year HUD publications, with specific rules governing high housing cost calculations and transition periods following new table releases.

Together, these actions are intended to reaffirm the authority of national banks under federal law to earn and receive interchange fees and to prevent the imminent application of Illinois’s...