RegFi Episode 105: Modernizing Mortgage Regulation for the Digital Age
36 min listen
Orrick Partner Joseph Kolar joins RegFi co-hosts Jerry Buckley and Caroline Stapleton to discuss the Executive Order on Promoting Access to Mortgage Credit and the regulatory reforms it could set in motion across the mortgage industry.
The conversation examines proposals to reduce mortgage origination costs, streamline TRID disclosure requirements, modernize servicing and appraisal rules, and encourage greater participation by banks and community lenders. They also explore the CFPB's authority to tailor, exempt and revise regulatory requirements under TILA and RESPA, and how emerging technologies, including AI, could reshape the mortgage lending process while preserving consumer protections.