The CFPB adopted rules amending provisions under the Equal Credit Opportunity Act (ECOA). The adopted rules: provide creditors additional flexibility in complying with ECOA in order to facilitate compliance with the Home Mortgage Disclosure Act; add new model forms and remove an existing outdated form; and make various other amendments to facilitate the collection and retention of information about the ethnicity, sex, and race of certain mortgage applicants. The adopted rules become effective January 1, 2018.
FHA
FHA Revises and Streamlines Policy Established in Mortgagee Letters 2024-24 and 2025-12
FHA issued Mortgagee Letter (ML) 2025-14 revising and streamlining policy established in ML 2024-24 (Modernization of Engagement with Borrowers in Default) and providing clarifications to
June 4, 2025
