Handheld payment terminals have become commonplace at restaurants. They are fast, convenient, and offer an important security advantage: instead of handing your card to someone who takes it out of sight, you can keep it in your possession throughout the transaction. Although these devices are generally a secure way to pay, no payment method is […]
Mortgage lenders and servicers continue to respond to shifting borrower needs, emerging technologies, and changes in government and investor programs. These developments can create opportunities to expand product offerings and improve efficiency, but they can also introduce new documentation, disclosure, compliance, and operational considerations. Here are five trends influencing mortgage compliance in 2026 and the […]
Why reporting suspicious activity is one of the most effective security controls your organization has Every Report Matters Security incidents rarely begin with sophisticated attacks. More often, they start with something that simply doesn't seem right—a suspicious email, an unfamiliar visitor, an unexpected password reset notification, or unusual computer behavior. In those moments, it's easy […]
Every time you browse the web, register for a retail discount, or sign up for an app, your digital footprint expands. Today, information ranging from your phone number and home address to your shopping history is bought, sold, and compiled across a massive web of corporations. To truly wipe your identity from the internet, an […]
Why your home network may be your weakest security link—and how to strengthen it Your Home Office Is Now Part of Your Security Perimeter Today’s home office is more than a laptop and a Wi-Fi connection. It’s a digital ecosystem where corporate devices coexist with personal phones, tablets, and smart home technology. That convenience comes with risk. […]
After two years of constrained origination volume, lenders are actively looking for new paths to revenue and borrower access. One area gaining renewed attention: mortgage assumptions. In today’s rate environment, assumptions offer a compelling alternative, allowing borrowers to take over existing loans with below-market interest rates, creating opportunities in an otherwise challenging housing market. What is a mortgage […]
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 […]
