2026 Trends in Mortgage Relief

Modernization of Home Home Loan Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB shall think about, as appropriate and consistent with applicable law, proposing modifications to Guideline C to raise the possession threshold for exemption from HMDA data collection and reporting requirements for smaller banks, to omit questions from the scope of HMDA, and to ensure that disclosures secure privacy and minimize concerns, including insufficiently tailored, costly, and complex software and training needed for reporting monetary institutions.

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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 Housing Financing Firm (FHFA) shall think about, as proper and constant with appropriate law: (i) modifying capital regulations, constant with suitable risk-management requirements, to tailor risk weights for all banks, consisting of community banks and other smaller sized banks, for portfolio home loans, servicing rights, and warehouse credit lines to the product credit risk of the exposure; (ii) modernizing collateral assessment and transfer systems in between the Federal Reserve and Federal Home Mortgage Banks (FHLBs); (iii) expanding access to longerdated FHLB advances tied to property home mortgage assets; (iv) developing targeted FHLB liquidity programs for entrylevel real estate, owneroccupied purchase loans, and small domestic contractors; (v) speeding up security boarding and appraisal procedures through standardized data and digital documents; and (vi) refocusing the FHLBs' Cost Effective Real estate Program on faster-cycle execution and higher monetary leverage for small and owner-occupied real estate 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 firms, 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 performance of national real estate finance markets.

Comparing Home Loan Refinancing Options Today

Sec. 5. Construction and Real Estate 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 think about, as proper and constant with suitable law, revising supervisory assistance both to exclude one-to four-family property advancement and construction financing from industrial realty concentration assistance and to ensure supervisory expectations support responsible construction loaning by community banks.

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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 shall think about, as suitable and consistent with suitable law and their statutory authorities: (i) modernizing appraisal guidelines and guidance to broaden making use of alternative evaluation models, desktop and hybrid appraisals, and expert system valuation tools; (ii) streamlining appraiser certification requirements; and (iii) minimizing appraisal requirements for low-risk transactions, consisting of low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Digital Home Mortgage Modernization. (a) The Secretary of Agriculture, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA shall think about, as suitable and constant with suitable law: (i) removing unnecessary wetsignature requirements for disclosures, applications, closing documents, and similar documents; (ii) standardizing approval of electronic signatures, e-notes, and remote online notarization; and (iii) promoting digital home mortgage standards.

8. Servicing and Supervisory Certainty. (a) The Secretary of HUD, 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 think about, as appropriate and consistent with relevant law: (i) lining up supervisory expectations to support portfolio home loan maintenance as a core community banking function; extending curefirst requirements to goodfaith servicing mistakes; simplifying loss mitigation requirements; and issuing a proposed rule providing exemptions from complex home mortgage services for smaller sized banks; and (ii) making sure that supervisory examinations of performing, prudently underwritten portfolio loans do not focus on technical flaws or depend on evolving 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 will consider, as suitable and constant with appropriate law, promulgating a policy versus enforcement actions for offenses of customer monetary laws that: (i) dissuades imposing civil financial penalties, other than where the underlying infractions are willful, understanding, or careless; (ii) considers great corporate conduct, consisting of a bank's correction of good-faith, technical compliance errors; and (iii) enables institutions a reasonable opportunity for self-identification and removal of proper compliance matters.