How Servicers Can Operationalize the New Requirements ONAP Establishes Permanent Loss Mitigation Framework HUD’s Office of Native American Programs (ONAP) has issued permanent loss mitigation requirements for loans guaranteed under the Section 184 Indian Housing Loan Guarantee and Section 184A Native Hawaiian Housing Loan programs. Published in Lender Letter 2026-03, the framework replaces prior COVID-era […]

The Secure Home Purchase: Defending PII in Today’s Lending Environment Securing a mortgage today requires more than financial readiness—it requires a disciplined approach to protecting Personally Identifiable Information (PII). While recent regulatory changes have reduced certain sources of exposure, the rapid evolution of AI-driven fraud has introduced new risks across the lending lifecycle. For both […]

Applying for a mortgage is an exciting milestone—but it also requires sharing highly sensitive financial information. As a result, the mortgage process has become a prime target for cybercriminals seeking to exploit moments of urgency and complexity. Understanding the risks—and how to mitigate them—can help protect your information and your funds throughout the application and […]

This article was originally published as part of Asurity’s thought leadership series with ACUMA and is shared here to extend the conversation beyond the ACUMA member community. CRA and fair lending requirements are often viewed through the lens of compliance — obligations to be met, exams to be passed, findings to be avoided. But for […]

This article was originally published as part of Asurity’s thought leadership series with ACUMA and is shared here to extend the conversation beyond the ACUMA member community. Debanking has become one of the most complex and sensitive issues facing financial institutions today. At its core, the debate reflects a difficult balancing act: managing financial crime […]

Hardly a day passes without Artificial Intelligence (AI) capabilities and advancements capturing the headlines. Without question, AI is rapidly impacting many aspects of our daily lives—banking, software development, education, and, yes, the practice of law. While the benefits and impacts of AI are frequently extolled, the reality is that AI remains in the early stages […]

Unwanted emails are a common frustration. Promotional messages, mailing lists, and suspicious outreach can quickly overwhelm an inbox. While clicking the “unsubscribe” link may seem like the simplest solution, cybersecurity professionals caution that this action can sometimes increase risk rather than eliminate it. Understanding when it is safe to unsubscribe, and when it is not, […]

This article was originally published as part of Asurity’s thought leadership series with ACUMA and is shared here to extend the conversation beyond the ACUMA member community. Fair lending compliance is entering a new phase. While traditional risk areas remain under scrutiny, emerging issues — algorithmic bias, digital redlining, appraisal discrimination, and opaque decisioning — […]

This article was originally published as part of Asurity’s thought leadership series with ACUMA and is shared here to extend the conversation beyond the ACUMA member community. For credit union leaders, compliance has long been viewed as a necessary safeguard — a function designed to meet regulatory expectations and avoid adverse findings. But today’s environment […]

Social Security scams and data breaches continue to put millions of individuals at risk of identity theft. Fraudsters frequently impersonate officials from the Social Security Administration (SSA) or law enforcement agencies, using urgent threats—such as arrest or benefit suspension—to pressure victims into sharing sensitive personal information. While online tools can help determine whether personal data […]