Posts on the applicable.ai blog tagged Mortgage lending.
A CFPB statement, applicable from 8 June 2026, says mortgage lenders relying on US employment income may need to consider whether an applicant's immigration status will let that income continue. It is guidance, not a rule.
Two OCC final rules, effective 18 June 2026, say national banks and federal savings associations set escrow account terms at their own discretion, and name 14 state and territorial interest-on-escrow laws as preempted.
The CFPB's annual adjustments raised the HMDA reporting exemption to $59 million and the Regulation Z escrow exemption thresholds for 2026. Here is what moved and who it may reach.
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