The Reglith blog
Mortgage compliance, decoded — rule changes, enforcement trends, and practical guidance.
Freddie Mac Accumulated Assets as Qualifying Income: A Compliance Guide for Underwriters
Understand Freddie Mac's expanded rules for using accumulated assets as qualifying income under Bulletin 2026-10, including documentation requirements and common pitfalls.
September 2026
Fair Lending Compliance: Disparate Impact, Pricing Practices, and Board Oversight
Disparate impact theory remains central to fair lending enforcement. Here's how lenders can align policies, pricing, training, and oversight with regulatory expectations.
August 2026
How to Stay Compliant with MPF's New Servicing Platform Reporting Requirements
Learn how MPF Announcement 2026-44 introduces event-based reporting and escrow requirements, and prepare your servicing desk for compliance.
July 2026
OCC’s Recovery Planning Simplification: What Large Mortgage Lenders Need to Know
The OCC’s recent proposal to eliminate recovery planning requirements for banks with $100B+ assets could reduce compliance burdens. Here’s how mortgage lenders should respond.
July 2026
Lessons from New York's SAFE Act Licensing Transition: A Compliance Roadmap for Lenders
New York's transition to the SAFE Act serves as a powerful case study for lenders navigating licensing overhauls. From the 20-hour pre-licensure education mandate to strict deadlines for approved, pending, and previously exempt MLOs, the experience highlights critical compliance steps every lender…
July 2026
Freddie Mac 2026 Guide Updates: Key Compliance Changes for Lenders
Freddie Mac's 2026 updates to the Selling and Servicing Guides bring new requirements for quality control, fraud identification, information security, and other areas. Lenders should review these changes to maintain compliance.
July 2026
HUD Rescinds Homebuyer Notice and Streamlines Rules: What Lenders Need to Know
HUD recently announced the rescission of Form HUD-92900-B, eliminated outdated mortgagee approval requirements, and permanently adopted NFIP lapse procedures. These changes reduce regulatory burden and simplify loan processing.
July 2026
NCUA’s Record Retention Final Rule: What Credit Unions Must Know About Updated Preservation Guidelines
The NCUA has repealed Appendices A and B from Part 749, eliminating confusing “guidelines” that were treated as requirements. The final rule refocuses credit unions on preserving vital records and gives boards more flexibility in setting retention schedules. Here’s what your credit union must do to…
July 2026
Fannie Mae’s Event-Based Reporting: Adapting Servicing Systems for Real-Time Compliance
Fannie Mae is transforming servicing with event-based reporting, requiring near real-time data submission. This shift carries major implications for lender systems, from API integrations to data quality controls.
July 2026
How to Build a State Legislative Compliance Radar: Tracking Mortgage Bills in New Jersey, Pennsylvania, and Delaware
State-level mortgage legislation can disrupt lending operations overnight. This post explains how to build a systematic radar for monitoring bills in New Jersey, Pennsylvania, and Delaware, and turn legislative noise into compliance action.
July 2026
Key Mortgage Data Reporting Updates for 2026: Texas SSSF, MCR FV7, and Ginnie Mae LER
Mortgage lenders face a wave of data reporting updates in early 2026, from Texas's granular processor/underwriter tracking to Ginnie Mae's next-day liquidation reporting. Here's how to align your systems.
June 2026
California Mortgage Fraud Scheme Nets $3 Million Refund: Lessons for Lender Compliance
Discover the red flags and compliance lessons from a $3 million California mortgage fraud scheme. Protect your lending operations with proven fraud prevention strategies.
June 2026
Uniform Residential Appraisal Report Redesign MPF: A Step-by-Step Compliance Guide
A detailed compliance guide for PFIs on adopting the redesigned URAR per MPF Announcement 2026-40. Covers effective dates, workflow changes, training, and quality control steps.
June 2026
Manufactured Home Mortgage Eligibility: A Compliance Guide Under Current HUD and GSE Rules
The manufactured home definition directly controls which properties are eligible for popular mortgage programs. Lenders must navigate HUD Code compliance, labeling requirements, and documentation alternatives to keep loans saleable and insurable.
June 2026
CFPB Rescinds Special Purpose Credit Program Advisory Opinion: What Mortgage Lenders Need to Know
The CFPB's rescission of the SPCP advisory opinion marks a significant shift in fair lending compliance. Lenders must align programs with the April 2026 amendments, which ban race- or sex-based eligibility and require evidence that beneficiaries would actually be denied credit.
June 2026
How to Conduct a Compliance Audit for Mortgage Servicing: Best Practices and Common Pitfalls
Mortgage servicing compliance audits are critical to identify regulatory gaps before examiners do. This guide walks through a practical, six-step audit process, highlights common pitfalls, and offers best practices to keep your servicing operation compliant.
June 2026
Freddie Mac Bulletin 2026-6: Key Underwriting, Property Disclosure, and Condo Review Updates for Sellers
Freddie Mac's Bulletin 2026-6, issued May 6, 2026, brings a range of Selling Guide changes affecting credit underwriting, property disclosures, and condo project reviews. This post breaks down the key updates lenders need to act on.
June 2026
MPF Announcement 2026-33 & 2026-31: Updated Servicing Requirements & RON Standards for Mortgage Lenders
Two recent MPF announcements bring important changes to MPF Xtra loan servicing—from new remote online notarization (RON) standards to updates in IRS tax installment agreement treatment. Here's what mortgage lenders need to know to stay compliant.
June 2026
Fed’s Proposed Payment Accounts: What Mortgage Lenders Need to Know About the New Special-Purpose Account Rules
The Federal Reserve Board has proposed a new special-purpose Payment Account for clearing and settling payments, with strict limits on discount window credit and overnight balances. For mortgage lenders, the move introduces both operational efficiencies and compliance risks.
June 2026
Nebraska's New Net Tangible Benefit Disclosure for Refinances: Compliance Guide
Starting July 18, 2026, Nebraska lenders must provide a net tangible benefit disclosure when refinancing installment or mortgage loans. This guide explains the new requirement under LB 717, including scope, timing, form, and compliance steps.
May 2026
Fair Lending Compliance: The Complete Guide for Mortgage Lenders
Fair lending compliance is a critical pillar of mortgage risk management, requiring lenders to navigate a complex web of federal laws like the ECOA and Fair Housing Act. This guide breaks down key concepts—from redlining and pricing disparities to the evolving disparate impact standards—and offers…
May 2026
TILA and Regulation Z Explained for Mortgage Lenders
TILA and its implementing rule, Regulation Z, form the backbone of consumer protection in mortgage lending. This guide unpacks APR calculations, finance charge inclusions, the Ability‑to‑Repay rule, and qualified mortgage standards—providing lenders with the knowledge to stay compliant and avoid en…
May 2026
Top 5 Compliance Risks from Emerging Mortgage Technologies in 2026
As mortgage lenders adopt AI, blockchain, and digital closing tools, new compliance risks emerge. This post explores five critical risks and offers actionable best practices to stay compliant while embracing innovation.
May 2026
Freddie Mac Bulletin 2026-E: Updated Property Insurance Requirements for Servicers
Bulletin 2026-E revises the Servicing Guide to set new property insurance monitoring, borrower communication, and evidence standards, with force-placed insurance expectations.
May 2026
Georgia’s Proposed Mortgage Rulemaking: What Lenders Need to Know
Georgia mortgage lenders face a new proposed rulemaking with a public comment period. While the specific rule changes are not yet detailed, proactive compliance steps can safeguard your operations.
May 2026
HUD Removes Environmental Clearance Review for Large Housing Projects: What Lenders Must Know
HUD has removed an extra layer of environmental review for large multifamily projects, cutting weeks from closing schedules. This interim final rule eliminates the requirement to send Environmental Assessments for projects over 200 units to a Field or Program Environmental Clearance Officer. Here’s…
May 2026
OCC Interest-on-Escrow Preemption: What It Means for National Banks
The OCC’s final rule preempting state interest-on-escrow laws resolves years of uncertainty. This post breaks down the key provisions and outlines critical steps for banks to align their compliance programs.
April 2026
How to Build a Mortgage Compliance Calendar for 2027: A Step-by-Step Guide
A well-maintained mortgage compliance calendar is essential for any lender or servicer aiming to stay ahead of regulatory obligations. Here's how to build one for 2027 that keeps your team prepared and audit-ready.
April 2026
NY DFS Frontier AI Cybersecurity Advisory: A Compliance Playbook for Mortgage Lenders
The NYDFS warns that frontier AI models will amplify cyber threats. Mortgage lenders must strengthen vulnerability management, third-party oversight, and incident response to stay compliant and protect borrower data.
April 2026
Fannie Mae Removes RON Video Recording Requirement: What Servicers Need to Know
Fannie Mae’s latest Servicing Guide update removes the video recording requirement for RON closings, shifting the focus to audit trail retention and platform standards. Servicers must update policies, verify RON platform compliance, and ensure proper documentation for loans closed on or after May 6…
April 2026
Building a Mortgage Compliance Management System (CMS): Policies, Monitoring, Audits, and Regulatory Change
A compliance management system (CMS) is the operational backbone of any mortgage lender or servicer. It integrates policies, monitoring, audits, and regulatory change management to ensure the institution meets legal obligations and treats consumers fairly. This comprehensive guide walks through bui…
April 2026
Mortgage Servicing Compliance: RESPA Regulation X and Regulation Z Rules
Navigate the complex landscape of mortgage servicing compliance with a deep dive into RESPA Regulation X and TILA Regulation Z. Learn how to implement timely loss mitigation, avoid dual-tracking pitfalls, and leverage streamlined servicing processes to protect borrowers and reduce regulatory risk.
April 2026
State-by-State Mortgage Licensing Requirements: A Comprehensive Guide
Mortgage licensing isn’t one-size-fits-all. Each state layers its own rules on top of federal baselines, from extra education hours and unique exams to physical office mandates and bond levels. Understanding these differences is essential for anyone expanding or maintaining a national mortgage oper…
March 2026
Mortgage Licensing and NMLS: The Complete Compliance Guide
A comprehensive guide to mortgage licensing and NMLS compliance, covering SAFE Act requirements, MLO versus entity licensing, education, continuing education, and multistate strategies.
March 2026
HMDA Reporting: The Complete Guide for Mortgage Lenders
HMDA reporting is a cornerstone of fair lending compliance, requiring mortgage lenders to collect, validate, and submit detailed loan data annually. This guide covers everything from determining if your institution is covered, to navigating complex LAR fields, implementing an effective scrub proces…
March 2026
AI and Automated Underwriting Compliance: A Fair-Lending Governance Playbook
As artificial intelligence transforms mortgage underwriting, lenders must navigate a complex web of fair-lending laws, model risk management requirements, and the need for explainable adverse action decisions. This comprehensive guide provides a governance playbook for AI underwriting compliance, c…
March 2026
UDAAP in Mortgage Lending: A Comprehensive Guide to Avoiding Unfair, Deceptive, and Abusive Practices
UDAAP—Unfair, Deceptive, or Abusive Acts or Practices—is a cornerstone of consumer protection in mortgage lending, enforced primarily by the Consumer Financial Protection Bureau (CFPB) under the Dodd-Frank Act. This comprehensive guide defines UDAAP, explores its application to mortgage origination…
March 2026
TRID Compliance: The Complete Guide to TILA-RESPA Integrated Disclosures
TRID (TILA-RESPA Integrated Disclosures) combines early federal mortgage disclosures into two forms: the Loan Estimate and Closing Disclosure. This guide covers everything you need to know—timing, tolerances, cures, and enforcement.
March 2026
The Complete Guide to Federal Mortgage Compliance Regulations
An exhaustive overview of the key federal regulations governing mortgage lending, from TILA and RESPA to UDAAP, plus practical compliance steps for lenders.
March 2026