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Latest News 2004 - Also Please Check Below
12/29/04 SEC Releases Final Rule on Asset-Backed Securities
12/22/04 Federal Agencies Announce Final Rules on Disposal of Consumer Information
12/13/04 Federal Reserve Changes HMDA Public Disclosure Tables
12/6/04 Federal Reserve Requests Comments In a Review of Reg Z (Truth-In-Lending)
11/24/04 Credit Bureaus Announce How Consumers Can Access Free Credit Reports
11/23/04 FTC Issues Final Summaries and Notices Under FACTA
11/18/04 FTC Issues Final Regulation on Consumer Information and Records Disposal
10/28/04 NCCUSL Committee Approves Uniform Residential Mortgage Satisfaction Act (URMSA); Urges States to Adopt It
10/22/04 Key Provision of the 'Check Clearing for the 21st Century Act' Effective October 28th
10/20/04 FTC Announces and Requests Comment on a Pilot Study of Accuracy and Completeness of Consumer Credit Reports (FACT)
9/20/04 FTC Solicits Comments on Proposed Rules Governing the Disposal of Consumer Report Information. Comments due by October 20, 2004
9/17/04 Federal Reserve Proposes New Rules Governing Electronic Funds Transfers
9/17/04 FDIC Extends Comment Period for CRA Proposal
9/17/04 HUD Proposes Rule Regarding Real Estate Broker Participation in Predatory Lending Practices Targeted At FHA borrowers.
9/14/04 U.S. Second Circuit Court Of Appeals Defers To HUD That Mark-Ups May Violate RESPA § 8(b) 8/13/04 FFIEC Offers HMDA Answers
8/13/04 FTC Seeks Comments on Proposed Can-Spam Rules
8/13/04 OTS Finalizes CRA Rule
8/13/04 Federal Agencies File Amicus Brief on California "SB1" Case
8/12/04 HOEPA Fee-Based Trigger For Additional Mortgage Loan Disclosures Adjusted
8/11/04 Federal Reserve Seeks Comments for a Study Fair Credit Disputes
8/2/04 HUD Announces Latest Mortgagee Review Board Administrative Actions
7/29/04 OCC Gives Guidance on Model Notices for Furnishing Negative Credit Information
7/29/04 Agencies Issue Bank Secrecy Act Examination Procedures Required by the USA PATRIOT Act 7/8/04 FTC Approves Supplemental Regulatory Analysis of Disposal of Consumer Report Information and Records
7/8/04 Agencies Request Comments on Implementation of Community Reinvestment Act (CRA) 6/25/04 Agencies Request for Comment On Proposal To Implement Affiliate Marketing Notice And Opt-Out Provisions Of Fair Credit Reporting Act
6/16/04 New Rules and Reference Materials for HMDA Data Collection During 2004
6/9/04 Agencies Propose Rules on Disposal of Consumer Information
6/9/04 FTC Wants Input for Study on Giving Consumers Copies of Adverse Credit Actions
6/9/04 New FDIC Report: "Offshore Outsourcing of Data Services by Insured Institutions and Associated Consumer Privacy Risks"
6/9/04 Federal Reserve Release Final Rule Adding Model Negative Notices Institutions Furnish Consumer Reporting Agencies
6/7/04 FTC Issues Final Rule on Free Annual Credit Reports
6/4/04 HUD Announces Latest Credit Watch Initiative Actions
5/19/04 Fed Requests Information for a Study on Prescreened Solicitations or Firm Offers of Credit or Insurance
5/6/04 Federal District Court Rules That FTC Cannot Require Attorneys To Issue Annual Privacy Notices 4/26/04 Agencies Propose Rule on Use of Medical Information for Credit Eligibility
4/21/04 Labor Department Releases New Overtime Rules
4/19/04 FTC Seeks Comments on Proposed Consumer Information and Records Disposal Regulation 4/14/04 Federal Agencies Publish Spanish-Language Version of Consumer Brochure on Predatory Lending
4/8/04 Fed Proposes Fair Credit Reporting Rules - Form for Correcting Faulty Information
4/7/04 FTC Extends Comment Period on Spam Regulation
3/31/04 FCC Seeks Comment On Rules To Eliminate Spam from Mobile Phones and Other Changes Consistent with FTC Regulation
3/29/04 The Federal Reserve Revises Reg Z
3/24/04 FTC Amends Telemarketing Sales Rule Regarding Access to National Do Not Call Registry 3/22/04 OMB Responds to HUD Letter on RESPA Regulations" [pdf]
3/22/04 HUD Withdraws RESPA Rule for Further Review" [pdf]
3/19/04 Fed Seeks Comments on Changes to HMDA Public Disclosure Tables " [pdf]
3/18/04 FTC Plans Action In RESPA Lawsuit - Commission Authorizes Filing Amicus Brief" [pdf]
3/16/04 FTC Seeks Comments on Proposed “Free Credit Report†Regulation " [pdf]
3/11/04 FTC Seeks Comments On New CAN-SPAM Rules " [pdf]
3/10/04 Lawmakers Petition OMB to Reject HUD's RESPA Proposal " [pdf]
3/10/04 HUD Announces "Latest Credit Watch Actions " [pdf]
2/27/04 HUD Announces "Mortgagee Review Board Administrative Actions" [pdf]
1/12/04 HUD Announces "Latest Credit Watch Termination Initiative Actions" [pdf]
Latest News 2003 - Also Please Check Below
12/1/03 HUD Releases "FHA TOTAL Mortgage Scorecard User Guide" [pdf]
11/21/03 Fannie Mae Addresses the Purchase of New Jersey and New Mexico "High-Cost Home Loans," and Illinois "High-Risk Home Loans," (Guide Announcement 03-12)
9/22/03 Member Update: New Jersey Supreme Court Grants Cert in Glukowsky
9/15/03 HUD Announces Latest Actions Under the Credit Watch Termination Initiative [pdf]
9/2/03 MBA Petitons OMB to Block FCC's Do Not Fax Rule
9/2/03 MBA and Financial Services Coalition Petition for Reconsideration and Clarification of FCC's Do-Not-Fax Rule
8/19/03 Member Alert: Responding to MBA's Request, FCC Extends the Effective Date of Do-Not-Fax Ruleto January 1, 2005
8/11/03 7th Circuit Appeals court determines $10 recording fee may constitute RESPA violation ABN AMRO case. [pdf]
8/7/03 OCC Bulletin describes key elements of recently released HMDA regulations. [pdf] . Read Final HMDA regulations. [pdf]
7/11/03 YSPs Survive State Appellate Court
7/2/03 MBA Submits Comment Letter To Department of Labor On FLSA Proposed Rule Changes. See also MBA Wage and Hour Litigation Resource Center
6/30/03 MBA Member Alert: Treasury Again Seeks Comments on USA PATRIOT Act's Section 326 Customer Identification Requirements
6/5/03 MBA Member Alert: FFIEC Makes Rate Spread Calculator Available
From MBA
9/22/03 Member Update: New Jersey Supreme Court Grants Cert in Glukowsky
7/2/03 MBA Submits Comment Letter To Department of Labor On FLSA Proposed Rule Changes. See also MBA Wage and Hour Litigation Resource Center
6/30/03 MBA Member Alert: Treasury Again Seeks Comments on USA PATRIOT Act's Section 326 Customer Identification Requirements
6/5/03 MBA Member Alert: FFIEC Makes Rate Spread Calculator Available
3/17/03 MBA, Lending Groups Submits Joint Comments to HUD Regarding [pdf] FHA Proposed Lender Accountability for Appraisals Rule (Proposed Rules [pdf] )
3/21/03 MBA Notice to Members: Bjustrom Ninth Circuit Victory
2/19/03 Report of the MBA RESPA Interest Rate Working Group. Click Here. [pdf]
12/30/02 Member Alert: The Seventh Circuit Rules That RESPA Is Not A Price Control Statute
12/2/02 Member Alert: MBA Requests Delay Of Parity Rule Changes Fannie Mae [pdf]
11/21/03 Fannie Mae Addresses the Purchase of New Jersey and New Mexico "High-Cost Home Loans," and Illinois "High-Risk Home Loans," (Guide Announcement 03-12)
Joint Announcements / Actions of Regulatory Agencies
4/30/03 Treasury and Federal Financial Regulators Issue Final Patriot Act Regulations on Customer Identification
2/12/02 Interagency Guidance: Privacy of Consumer Financial Information [pdf] (31 pages)
1/7/03 Federal Banking Agencies Drop Proposal To Collect Subprime Consumer Lending Program Data
Federal Reserve Board /OCC
8/7/03 OCC Bulletin describes key elements of recently released HMDA regulations. [pdf] . Read Final HMDA regulations. [pdf]
5/27/03 Federal Reserve Board Releases Final HMDA "Transition" Rule
3/28/03 Federal Reserve Board Adopts Revisions To On Regulation Z (TILA)
3/18/03 Federal Reserve Board Publishes Final Equal Credit Opportunity Rules (Reg. B) [pdf]
3/3/03 Federal Reserve Proposes Changes to Reg C (Home Mortgage Disclosure Act)
2/19/03 Federal Reserve Approves Final rule amending Regulation B (Equal Credit Opportunity)
1/2/03 Federal Reserve Adjusts [pdf] the asset-size exemption threshold for depository institutions based on the annual percentage change in the Consumer Price Index. from data collection for Home Mortgage Disclosure Act purposes in 2003.
11/26/02 Federal Reserve Proposes Revisions To Regulation Z (Truth in Lending)
Federal Deposit Insurance Corporation (FDIC)
2/7/02 FDIC Report Shows Subprime Mortgage Loan Performance Affected By Recession
Federal Trade Commission (FTC)
5/13/03 Reminder: FTC Consumer Information Safeguards Rule Becomes Effective May 23, 2003 [pdf] 3/28/03 FTC Proposes Fee Amendment to the Telemarketing Sales Rule
3/27/03 FTC has extended the "the date by which it will require full compliance with Sec. 310.4(b)(4)(iii) of the Amended Telemarketing Sales Rule ("TSR"') until October 1, 2003." [pdf]
4/15/02 MBA submits comments to Federal Trade Commission regarding proposals for the creation of national "Do Not Call" registry.
HUD
12/1/03 HUD Releases "FHA TOTAL Mortgage Scorecard User Guide" [pdf]
9/15/03 HUD Announces Latest Actions Under the Credit Watch Termination Initiative [pdf]
5/22/03 HUD Gives Additional Guidance - Prohibition of Property Flipping [pdf]
5/16/03 HUD Finalizes Rules On Appraiser Qualifications for Placement on FHA Single Family Appraiser Roster [pdf]
5/01/03 HUD Issues Final RuleProhibiting Property Flipping in HUD's Single Family Mortgage Insurance Programs [pdf]
4/29/03 HUD Debuts Ad Campaign To Fight Housing Discrimination
4/01/03 HUD Proposes Revisions to FHA Credit Watch Termination Initiative [pdf]
3/21/03 HUD Announces Latest Actions Under Credit Watch Termination Initiative [pdf]
3/17/03 MBA, Lending Groups Submits Joint Comments to HUD Regarding [pdf] FHA Proposed Lender Accountability for Appraisals Rule (Proposed Rules [pdf] )
3/17/03 HUD Announces New Inflation Adjusted Civil Money Penalties [pdf]
3/11/03 HUD Announces HUD Announces New Adjustable-Rate Mortgage Products
 Eligibility of Adjustable Rate Mortgages [pdf]
2/7/03 HUD (68 FR 6385 )Delays anticipated publication date for the final RESPA rule on "Simplifying and Improving the Process of Obtaining Mortgages to Reduce Settlement Costs to Consumers" to the spring of 2003. the agency previously anticipated publication in January of 2003 [pdf]
11/22/02 HUD Launches Regulatory Barriers Clearinghouse
Office of Thrift Supervision (OTS)
12/6/02 OTS Delays Effective Date For Parity Act Revisions [pdf]
12/2/02 MEMBER ALERT: MBA Requests Delay Of Parity Rule Changes
Veterans Administration (VA)
3/1/02 VA Publishes New Regulations [pdf] on Advertising and Solicitation by Lenders.
Other
8/19/03 Member Alert: Responding to MBA's Request, FCC Extends the Effective Date of Do-Not-Fax Ruleto January 1, 2005
8/18/03 FCC Extends the Effective Date ofAmended Fax Advertising Rules to January 1, 2005. [pdf] 7/30/03 FCC Issues Final "Do-Not-Fax" Rules
7/9/03 FCC Amends Do-Not-Fax Unsolicited Ads Rules
4/30/03 Treasury and Federal Financial Regulators Issue Final Patriot Act Regulations on Customer Identification
4/10/03 Treasury Department posts Notice of Advance Rulemaking to Implement USA PATRIOT Act - [pdf] "Anti-money laundering program for persons involved in real estate closings and settlements..." 4/01/03 FEMA National Flood Insurance Program: Changes the way premiums are calculated for policyholders who purchase flood insurance coverage under the NFIP for ``Pre-FIRM'' buildings in Special Flood Hazard Areas (SFHAs). [pdf]
3/31/03 Labor Department Proposes Changes to Fair Labor Standards Regulations [pdf]
3/21/03 Federal Court of Appeals -Bjustrom Ninth Circuit Victory
1/23/03 The Eighth Circuit Rules in Haug v. Bank of America That RESPA Section 8(b) not violated by mark-ups.
7/19/02 Midwest Mortgage Lender Agrees to Settle Illegal Lending Charges
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