sources
Where our data comes from.
Every regulator, registry, and code section that Reglith pulls into the feed. If it is not on this page, we do not ingest it.
Federal rules and guidance
9 sources · daily to monthlyThe Federal Register API gives us seven agencies in one stream. We also pull agency-specific feeds where the Register lags or omits relevant artefacts (Mortgagee Letters, VA Circulars, USDA RD notices).
CFPB, Fed Reserve, OCC, FDIC, FinCEN, HUD, FHFA
Final + proposed rules across all seven agencies. Filtered to mortgage-relevant artefacts (excludes Information Collection, Holding Company formation, Sunshine Act, Privacy Act notices).
www.federalregister.gov ↗CFPB
Press releases, blog posts, public statements not always echoed in the Federal Register.
www.consumerfinance.gov ↗HUD
FHA Mortgagee Letters scraped from the HUDclips index, with PDF bodies extracted via Gemini.
www.hud.gov ↗VA
Loan Guaranty Circulars (26-YY-N format) including change-version artefacts.
www.benefits.va.gov ↗USDA
Procedure notices for the Section 502 single-family guaranteed loan program.
www.rd.usda.gov ↗Ginnie Mae
All-Participants Memoranda with full inline body content.
www.ginniemae.gov ↗Fannie Mae
Effective-immediately guidance from Fannie Mae. Index + detail pulled through Firecrawl (Akamai-gated), PDF bodies via Gemini.
singlefamily.fanniemae.com ↗Freddie Mac
Selling and Servicing bulletins. Index + detail pulled via Firecrawl (JS-rendered SPA), with canonical metadata from the detail-page headers.
guide.freddiemac.com ↗Federal Home Loan Banks
Mortgage Partnership Finance program updates. PDF bodies extracted from the announcement library.
www.fhlbmpf.com ↗Federal enforcement
4 sources · monthlyConsent orders, civil money penalties, and enforcement decisions across the four federal banking regulators. Mortgage-filtered at the source level so the feed stays signal-heavy.
CFPB
Public enforcement actions; mortgage-filtered at the URL level. Approximately 5-10 mortgage-relevant actions per year.
www.consumerfinance.gov ↗HUD
Decisions against FHA mortgagees. PDFs extracted via Gemini. About 74 decisions per year, 100 percent mortgage-relevant.
www.hud.gov ↗OCC
Monthly news releases walked from a rolling N-index; PDF body extraction; keyword-filtered to mortgage-relevant decisions.
www.occ.gov ↗FDIC
Two-stage: plain-fetch press release for new-action detection, then Firecrawl on the Salesforce-rendered orders portal for the per-action list.
orders.fdic.gov ↗Exclusion lists
1 source · weeklyPublic federal exclusion lists, screened against your loan-officer roster. A name match is surfaced for you to verify — never treated as an identity determination.
HUD
Individuals and entities disqualified from HUD programs. The full list is parsed from the public HUD page and your LO roster is screened against it by name.
www.hud.gov ↗State licensing — CSBS
1 source · 850+ licenses · weeklyCSBS aggregates state-issued mortgage license records from every jurisdiction. We track every one of them, more than 850 licenses across 50 states, DC, and three territories — versioned in license_versions so every change is auditable.
All 50 states + DC + 3 territories
License records, contact information, surety bond requirements, CE rules, fee schedules. Change detection trusts the upstream Modified/Version field and diffs payload fields when a change is signalled.
www.csbs.org ↗State regulator publications
50+ sources · monthlyPer-state scrapers for the publications page of each state mortgage or financial-services regulator. Where a state publishes rule changes, MLO bulletins, or licensee notices on a static page, we ingest it.
Texas Department of Savings and Mortgage Lending
Publications, bulletins, advisories.
www.sml.texas.gov ↗New York Department of Financial Services
Industry guidance, mortgage banker bulletins, enforcement.
www.dfs.ny.gov ↗California Department of Financial Protection and Innovation
MLO bulletins, regulatory guidance, public comments.
dfpi.ca.gov ↗Florida Office of Financial Regulation
Mortgage broker and lender publications.
www.flofr.gov ↗AL, AK, AR, AZ, CO, CT, DC, DE, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY
Identical pattern — each state regulator publishes on its own page; per-state scrapers normalize the output into RegulatoryItem rows.
State legislative bills (LegiScan)
3 streams · daily to yearlyMortgage-relevant legislation across all 50 state legislatures, sourced through LegiScan. A backfill stream catches up history; a weekly stream picks up new sessions; a daily stream tracks bills in flight.
All 50 state legislatures
Bills moving through committee or chamber action in active sessions. Mortgage-keyword filtered.
legiscan.com ↗All 50 state legislatures
New bill introductions and status changes from the prior week.
All 50 state legislatures
Historical session backfill for first-time coverage of a state. Runs once per year per session.
Live regulatory text (eCFR)
5 titles · weekly change-feedBeyond the news-style feed of rule changes, Reglith maintains a live mirror of the Code of Federal Regulations for mortgage-relevant parts. Citations across the regulatory feed link back to the exact section text — and the change feed tells us when sections are amended in substance, not just formatting.
CFPB Ch X, Federal Reserve Reg H/Q/Y/BB/CC, OCC Parts 34, 43
The bulk of consumer protection (TILA/RESPA/HMDA/EFTA), capital adequacy, and origination/servicing rules.
HUD
FHA single-family insured mortgage program rules.
FinCEN
BSA Parts 1010 and 1020-1026.
VA
Part 36 — VA loan guaranty regulations.
USDA
Part 3550 — USDA Rural Development single-family direct loan rules.
We tell you when a source goes stale.
Every ingest is timed against the regulator's known cadence. If a source stops publishing or our parser stops finding what it used to find, we flag it as WARN after one cadence cycle missed, FAIL after two. No ghost-updates, no silent drops.
License attribution for each upstream dataset is at /attribution.