by Matt Piven | May 29, 2024 | blog
State of legal challenges to CFPB and Section 1071 rulemaking On May 16, 2024, the Supreme Court ruled in CFPB v. Community Financial Services Association of America (also known as the Community Financial case) that the CFPB’s funding mechanism is constitutional under...by Matt Piven | May 2, 2024 | blog
The 2023 Modified HMDA LARs have been unveiled, offering a sneak peek into last year’s mortgage market’s performance. While it’s no secret that mortgage lending took a nosedive compared to the red-hot 2021, let’s dive into the nitty-gritty...by Matt Piven | Dec 19, 2023 | blog
Let’s recap what has happened in 2023 on three different fronts: HMDA, fair lending, and CRA (the Community Reinvestment Act). I count eight important developments. These are listed in no particular order below: 1. OMB released a new MSA list in July 2023, which will...by Matt Piven | Nov 6, 2023 | blog, HMDA
It’s now been five years since the HMDA reporting requirements were dramatically expanded in 2018, and, in my assessment, there continue to be substantial data quality concerns. In this blog, I will focus specifically on one field, the debt-to-income (DTI) ratio,...by Matt Piven | Dec 20, 2022 | blog
Let’s recap what has happened in 2022 on three different fronts: HMDA, fair lending, and CRA (the Community Reinvestment Act). I count eight important developments. These are listed in no particular order below: 1. In 2022, the FFIEC released new census tract...
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