2026 Trends in Housing Support

Sec. 3. Modernization of Home Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB shall consider, as appropriate and consistent with appropriate law, proposing modifications to Regulation C to raise the possession threshold for exemption from HMDA data collection and reporting requirements for smaller sized banks, to exclude queries from the scope of HMDA, and to make sure that disclosures protect privacy and lower concerns, consisting of insufficiently customized, expensive, and complex software application and training needed for reporting banks.

apfsc.org

4. Capital and Liquidity Alignment. (a) The Vice Chairman for Guidance of the Federal Reserve, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, the Comptroller of the Currency, and the Director of the Federal Real Estate Finance Agency (FHFA) shall think about, as proper and consistent with appropriate law: (i) modifying capital regulations, consistent with suitable risk-management requirements, to customize danger weights for all banks, including neighborhood banks and other smaller sized banks, for portfolio mortgages, maintenance rights, and storage facility lines of credit to the material credit threat of the exposure; (ii) improving security appraisal and transfer systems in between the Federal Reserve and Federal Home Loan Banks (FHLBs); (iii) broadening access to longerdated FHLB advances connected to property mortgage assets; (iv) producing targeted FHLB liquidity programs for entrylevel real estate, owneroccupied purchase loans, and little property builders; (v) accelerating collateral boarding and valuation procedures through standardized information and digital documents; and (vi) refocusing the FHLBs' Budget Friendly Real estate Program on faster-cycle execution and greater financial utilize for small-scale and owner-occupied housing jobs.

(c) Within 120 days of the date of this order, the Director of the FHFA, in assessment with the heads of other appropriate executive departments and agencies, shall submit a report to the Assistant to the President for Economic Policy and the Director of the Office of Management and Budget on the efficiency of national real estate finance markets.

Reviewing Assistance vs Foreclosure Prevention

Sec. 5. Construction and Housing Supply. (a) The Vice Chairman for Guidance of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, and the Comptroller of the Currency, shall consider, as appropriate and constant with appropriate law, revising supervisory guidance both to exclude one-to four-family domestic advancement and building loaning from commercial property concentration assistance and to make sure supervisory expectations support responsible building and construction loaning by neighborhood banks.

apfsc.org

6. Appraisal Modernization. (a) The Vice Chairman for Supervision of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of Board of Directors of the FDIC, the Comptroller of the Currency, and the Director of the FHFA will think about, as appropriate and constant with suitable law and their statutory authorities: (i) modernizing appraisal regulations and assistance to broaden the use of alternative evaluation designs, desktop and hybrid appraisals, and expert system evaluation tools; (ii) streamlining appraiser credentials requirements; and (iii) reducing appraisal requirements for low-risk transactions, consisting of low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Digital Mortgage Modernization. (a) The Secretary of Agriculture, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA will think about, as proper and constant with applicable law: (i) eliminating unnecessary wetsignature requirements for disclosures, applications, closing documents, and comparable documents; (ii) standardizing acceptance of electronic signatures, e-notes, and remote online notarization; and (iii) promoting digital mortgage requirements.

8. Maintenance and Supervisory Certainty. (a) The Secretary of HUD, the Vice Chairman for Supervision of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, and the Comptroller of the Currency shall think about, as suitable and consistent with relevant law: (i) aligning supervisory expectations to support portfolio home loan servicing as a core neighborhood banking function; extending curefirst standards to goodfaith maintenance errors; simplifying loss mitigation requirements; and providing a proposed guideline supplying exemptions from complex home mortgage services for smaller sized banks; and (ii) guaranteeing that supervisory examinations of performing, wisely underwritten portfolio loans do not concentrate on technical flaws or depend on progressing supervisory analyses.

9. Enforcement. (a) The Vice Chairman for Guidance of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, and the Comptroller of the Currency shall consider, as suitable and constant with relevant law, promulgating a policy versus enforcement actions for infractions of consumer monetary laws that: (i) prevents enforcing civil monetary penalties, except where the underlying offenses are willful, knowing, or negligent; (ii) thinks about excellent business conduct, consisting of a bank's correction of good-faith, technical compliance mistakes; and (iii) allows organizations an affordable opportunity for self-identification and removal of appropriate compliance matters.