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Insight

CFPB Consent Order Applies Loan Originator Compensation Rule to Marketing Services Agreements

by John Kromer, Jeffrey Naimon and Clinton Rockwell
June.08.2015

On Friday, the CFPB announced a consent order against Guarantee Mortgage Corporation,1 resolving allegations that the company paid loan originators ...

Insight

USDA-RHS Proposes Its Own QM Rule

by Clinton Rockwell, Joseph Kolar, John Kromer, Sherry-Maria Safchuk, Jeffrey Naimon and Jeremiah Buckley
March.16.2015

On March 5, 2015, the USDA-RHS released a proposed rule to amend the regulations for the Single Family Housing Guaranteed Loan Program (SFHGLP) to ...

Insight

CFPB Finalizes Amendments to TILA-RESPA Integrated Mortgage Disclosures

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer and Jeffrey Naimon
January.21.2015

On January 20, 2015, the CFPB finalized amendments to the TILA-RESPA Integrated Disclosure (“TRID”) rule that make a number of amendments, ...

Insight

CFPB Finalizes Points-and-Fees Cure and Other Mortgage Rule Amendments

October.28.2014

Last week, the CFPB finalized an important amendment to its ATR / QM Rule that provides a mechanism for curing points-and-fees overages on qualified ...

Insight

Proposed Amendments to the TRID Rule

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer and Jeffrey Naimon
October.15.2014

Buckley is pleased to announce our new TILA-RESPA Integrated Disclosure (“TRID”) Resource Center. The TRID Resource Center is a one-stop shop for ...

Insight

Consumer Financial Services Answer Book 2015

by Clinton Rockwell, Melissa Klimkiewicz, Joseph Kolar, John Kromer, Elizabeth McGinn, Manley Williams, Warren Traiger, Sasha Leonhardt, Andrew Pennacchia, Fredrick Levin and Jeffrey Naimon
2 minute read | October.14.2014

Orrick lawyers played a prominent role in the publication of this leading desk reference on consumer financial services, published by the Practising ...

Insight

CFPB Bulletin Re-Emphasizes Focus on Mortgage Servicing Transfers

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer, Christopher Witeck, Jon Langlois and Jeffrey Naimon
August.21.2014

On August 19, 2014, the CFPB issued Bulletin 2014-01 to address “potential risks to consumers that may arise in connection with transfers of ...

Insight

CFPB Issues Guidance on Supervision and Enforcement of Mini-Correspondent Lenders

July.10.2014

This afternoon, the CFPB issued policy guidance on supervision and enforcement considerations relevant to mortgage brokers transitioning to ...

Insight

CFPB Guidance States That Successors Are Not Subject to the ATR/QM Rule

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer and Jeffrey Naimon
July.09.2014

On July 8, 2014, the CFPB issued an interpretive rule stating that the addition of a successor as an obligor on a mortgage does not trigger the ...

Insight

VA Adopts Its QM Rule

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer and Jeffrey Naimon
May.16.2014

On May 9, 2014, the Department of Veterans Affairs (the “VA”) issued an interim final rule defining what constitutes a “qualified mortgage” (“QM”) ...

Insight

CFPB Proposes Amendments to Mortgage Rules

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer and Jeffrey Naimon
May.01.2014

On April 30, the Consumer Financial Protection Bureau (CFPB or Bureau) proposed targeted amendments to the Dodd-Frank Act mortgage rules that took ...

Insight

HUD Adopts Its Own QM Rule

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer and Jeffrey Naimon
December.17.2013

On December 11, 2013, the Department of Housing and Urban Development (“HUD”) issued a final rule defining what constitutes a “qualified mortgage” ...