Regulatory Updates

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      January 14, 2026    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/court-rules-cfpb-must-continue-seeking-funding/'>Court Rules CFPB Must Continue Seeking Funding</a>
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    <p>A federal court recently ruled that the&nbsp;Consumer Financial Protection Bureau&nbsp;(CFPB) remains legally obligated to request and receive funding in order to carry out its statutory mission. Under the&nbsp;Dodd-Frank Act, the CFPB does not rely on traditional annual congressional appropriations. Instead, the agency must formally request funding from the Federal Reserve each year, up to a [&hellip;]</p>
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      December 15, 2025    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/2026-conforming-loan-limits-are-here-what-lenders-need-to-know/'>2026 Conforming Loan Limits Are Here — What Lenders Need to Know</a>
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    <p>The Federal Housing Finance Agency (FHFA) has released the new 2026 conforming loan limits — key numbers that determine which loans are eligible for purchase by Fannie Mae and Freddie Mac. These limits are recalculated each year to reflect changes in home prices and differ across standard and high-cost markets. For 2026, the&nbsp;baseline conforming loan limit for [&hellip;]</p>
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      November 14, 2025    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/industry-prepares-to-implement-new-version-of-uniform-appraisal-dataset-uad-3-6/'>Industry Prepares to Implement New Version of Uniform Appraisal Dataset (UAD 3.6)</a>
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    <p>📅&nbsp;Key Date: January 26, 2026 Lenders and appraisers should start preparing now for the&nbsp;Uniform Appraisal Dataset (UAD) 3.6, the new standard from Fannie Mae and Freddie Mac that modernizes how appraisal data is reported and shared. 👉&nbsp;Access UAD 3.6 timelines, training, and FAQs The&nbsp;Limited Production Period, which began&nbsp;September 8, 2025, allows lenders who are ready [&hellip;]</p>
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      October 14, 2025    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/connecticut-requires-registration-for-lenders-engaging-in-servicing-activities/'>Connecticut Requires Registration for Lenders Engaging in Servicing Activities</a>
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    <p>What’s newEffective&nbsp;October 1, 2025, mortgage lenders in Connecticut must obtain an&nbsp;exempt mortgage servicer registration&nbsp;before performing&nbsp;servicing activities. What changedPreviously, licensed mortgage lenders could service their own originations&nbsp;without&nbsp;a separate servicing license/registration if they: Under the&nbsp;Banking Law of Connecticut&nbsp;revisions&nbsp;taking effect&nbsp;Oct 1, 2025, lenders must now&nbsp;register as an exempt servicer&nbsp;even if they meet those conditions. Department guidance Who’s affected [&hellip;]</p>
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      September 17, 2025    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/texas-enacts-laws-to-curb-fraudulent-property-filings-effective-sept-1-2025/'>Texas Enacts Laws to Curb Fraudulent Property Filings (Effective Sept. 1, 2025)</a>
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    <p>The Texas Legislature enacted two laws to combat deed fraud and strengthen notary practices tied to real-property documents. SB 1734&nbsp;— Fast-track relief from fraudulent filings SB 693&nbsp;— Stronger notary standards and penalties Read the enrolled bills: SB 1734 and SB 693.</p>
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      August 14, 2025    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/fha-offers-relief-to-borrowers-in-flood-affected-texas-communities/'>FHA Offers Relief to Borrowers in Flood-Affected Texas Communities</a>
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    <p>As communities across Texas recover from devastating flooding, the Federal Housing Administration (FHA) has issued updated guidance for servicers and originators working with borrowers in Presidentially-Declared Major Disaster Areas (PDMDA). Relief for Existing FHA Borrowers Lenders must implement a 90-day foreclosure moratorium beginning on the date of the disaster declaration. They are also encouraged to [&hellip;]</p>
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      June 30, 2025    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/new-york-introduces-mandatory-mortgage-information-pamphlet-now-included-in-propel/'>New York Introduces Mandatory Mortgage Information Pamphlet – Now Included in Propel™</a>
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    <p>Lenders originating loans in New York are now required to provide mortgage applicants with an informational pamphlet titled “What Mortgage Applicants Need to Know.” This new requirement stems from Section 35 of New York’s Banking Law, which outlines the core content to be included in the pamphlet while granting the New York Department of Financial [&hellip;]</p>
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      June 16, 2025    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/breaking-barriers-usda-broadens-loan-guidelines-for-manufactured-housing/'>Breaking Barriers: USDA Broadens Loan Guidelines for Manufactured Housing</a>
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    <p>Borrowers in rural communities now have expanded financing options, thanks to the USDA’s updated loan guidelines. For the first time, existing manufactured homes may be eligible for USDA-guaranteed loans. Previously, only new manufactured homes purchased through approved dealers qualified for USDA financing. Under the new policy, homes may now be eligible as long as they [&hellip;]</p>
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      May 16, 2025    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/fha-announces-end-to-covid-19-loss-mitigation-options/'>FHA Announces End to COVID-19 Loss Mitigation Options</a>
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    <p>The Federal Housing Administration (FHA) announced last month that it is ending the COVID-19 era loss mitigation waterfall. In&nbsp;Mortgagee Letter 2025-12, FHA indicated that the COVID-19 loss mitigation options, which were intended to be temporary, will officially sunset on September 30, 2025. The new permanent loss mitigation options previously scheduled to go into effect on [&hellip;]</p>
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      April 16, 2025    </div>
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  <a class='oxy-post-title' href='https://www.asurity.com/regulatory-updates/utah-and-idaho-become-latest-states-to-address-trigger-leads/'>Utah and Idaho Become Latest States to Address Trigger Leads</a>
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    <p>The controversial practice of credit bureaus selling information on consumers who had their credit pulled for purposes of applying for a mortgage or other loan is known as a “trigger lead.” &nbsp;Idaho and Utah were the latest states to address this issue by prohibiting lenders from using information obtained from a trigger lead to solicit [&hellip;]</p>
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