CFPBFINAL RULE2h ago
Overdraft fees and large financial institutions — final rule amendments
Amends 12 CFR 1026 to extend the safe harbor for overdraft fees from $5 to $5.50 on 2026-01-01.
Services / Regulatory Feed
A single inbox for every rule that moves your loan files.
CFPB, FHFA, HUD, the GSEs, FinCEN — all in one feed, summarized in 3 sentences each.
Why this matters.
The CFPB publishes to its newsroom. HUD publishes mortgagee letters to a separate index. The GSEs each have their own portals — Fannie Mae, Freddie Mac, Ginnie Mae, VA, USDA RD, MPF. The Federal Register API is the most structured, but it covers seven agencies, each filing under their own CFR titles. There is no single place where all of this lands.
Compliance teams piece it together from saved bookmarks, Google alerts, law firm newsletters, and colleague forwarded emails. That system works until it doesn't — until the HUD mortgagee letter that dropped on a Tuesday doesn't make it into anyone's inbox until Thursday. By then the sales team has already quoted a loan program it no longer covers.
What this looks like.
reglith.com/feed
Fannie MaeLL-2026-085h ago
Selling Guide update — appraisal modernization and condo project standards
Effective for loans with application dates on or after July 1, 2026: revised appraisal waiver eligibility, expanded condo project review.
FHFAFINAL RULE8h ago
Conforming loan limit values for 2026
2026 baseline limit set at $806,500 for one-unit properties; high-cost area ceiling $1,209,750.
Texas SMLBULLETIN11h ago
MLO renewal cycle — December 2026 deadline reminder
All Texas-licensed Mortgage Loan Originators must complete annual CE and renew by December 31, 2026.
How we do it.
01
Agency-by-agency ingest
Each source has its own fetcher: Federal Register JSON API for the seven agencies, Firecrawl for sources that block plain HTTP (Fannie Mae, Freddie Mac SPA, USDA), Gemini PDF extraction for mortgagee letters and circulars that publish body content only as PDFs. We don't try to use one fetcher for everything; we use the right one per source.
02
Normalized data model
Every item from every source lands in the same schema — agency, document type, publication date, body text, source URL. No matter whether it came from the Federal Register API or a Fannie Mae lender letter PDF, it looks the same downstream.
03
AI summaries tuned for mortgage
Three sentences per item: what changed, who it affects, when it takes effect. The prompt is written for a mortgage compliance reader, not a general legal audience. Source document linked on every item so you can drill in when the summary raises a question.
What's in the product today.
Rule type, agency, publication date, and category tags on every item
Three-sentence AI summary tuned for mortgage compliance: what changed, who is affected, when it takes effect
Source URL linked on every item — the summary is a shortcut, not the source of truth
Tags drawn from a closed 25-slug taxonomy so you can filter by topic, not free text
Filterable by agency (CFPB, HUD, Fed, OCC, etc), document type, and category tag
Daily ingest for Federal Register and CFPB feeds; GSE and program guides track each source's own publishing cadence
Enforcement actions (CFPB, HUD MRB, OCC, FDIC) in the same feed as rule changes, filtered to mortgage relevance