United States: Charges, Mortgages, Indemnities

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.

Agencies' Capital Proposals Seek To Reduce Regulatory Burden And Extend Capital Relief To The Banking Industry At Large

On March 19, 2026, the Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency...

United States Finance

AP

Arnold & Porter

Executive Order Directs Agencies To Revisit Mortgage Rules

On March 13, President Trump signed an executive order directing federal financial regulators to consider a broad set of changes intended to reduce...

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Key SAPWG Developments At Spring 2026 National Meeting Of NAIC

The Statutory Accounting Principles (E) Working Group (SAPWG) of the National Association of Insurance Commissioners (NAIC)...

United States Finance

KL

Herbert Smith Freehills Kramer LLP

Senator Hawley Investigating FICO Credit Score Pricing Practices And Urging FTC To Investigate As Well

Senator Josh Hawley (R-MO) recently sent a letter to Fair Isaac Corporation announcing that as Chairman of the Senate Judiciary Subcommittee on Crime and as a member of the Subcommittee...

United States Finance

BS

Ballard Spahr LLP

FTC Seeks Comment On Potential Rule To Address Unfair Or Deceptive Rental Housing Fee Practices

United States Finance

GT

Greenberg Traurig, LLP

Massachusetts Settlement Targets Mortgage-Backed "Homeowner Benefit” Agreements

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

APAC Monthly Private Wealth Legal Developments - February 2026

Worldwide Wealth Mgt

KL

Herbert Smith Freehills Kramer LLP

Mortgage Banking Update - March 19, 2026

United States Finance

BS

Ballard Spahr LLP

Mortgage Pre-Approval Letter Misrepresentations May Trigger Chapter 93A Claims

United States Finance

GT

Greenberg Traurig, LLP

Sunsets And Loan Repurchase Provisions

United States Finance

GP

Goodwin Procter LLP

Executive Order Seeks To Promote Mortgage Lending By Community And Smaller Banks Through Easing Regulatory Requirements

United States Finance

BS

Ballard Spahr LLP

New Executive Orders Aim To Promote Access To Mortgage Credit And Expand Construction Of Affordable Homes

United States Real Estate

MB

Mayer Brown

US Senate Advances Housing Legislation That Includes A Ban On Institutional Investors Purchasing Single-Family Homes

United States Real Estate

MB

Mayer Brown

Raising The Limit: FINRA Amends Gift Rule (Rule 3220)

United States Finance

SA

Skadden Arps Slate Meagher & Flom

New York District Court Affirms Narrow Scope Of "Public Policy Exception" In Chapter 15 Cases

United States Insolvency

JD

Jones Day

Colorado "Opt-Out" Litigation – Petition For Rehearing En Banc And Amicus Briefs In Support

United States Finance

BS

Ballard Spahr LLP

Signed, Sealed, But Not Delivered? Don't Wonder About Taxes Under New Postal Service Rules

United States Tax

N

Nossaman LLP

The Empty Chair At Johannesburg: What It Says About US Power

United States International

SJ

Steptoe LLP

March 2026: Federal Deadlines That Will Reshape The AI Regulatory Landscape

United States Technology

BB

Baker Botts LLP

Oregon Moves To Opt Out Of Federal Interest-Rate Exportation For Consumer Loans

On March 5, the Oregon Senate passed House Bill 4116, legislation amending the Oregon Consumer Finance Act to opt out of the federal interest-rate exportation framework under the Depository Institutions Deregulation and Monetary Control Act of 1980 (DIDMCA) for certain consumer loans made to Oregon residents.

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Mortgage Banking Update - March 5, 2026

March 5 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys.

United States Finance

BS

Ballard Spahr LLP

Unveiling The Homebuyers Privacy Protection Act: Safeguarding Consumer Data In Mortgage Transactions

New Homebuyers Privacy Protection Act ending abusive use of mortgage credit trigger leads takes effect March 4, 2026

United States Privacy

LB

Lewis Brisbois Bisgaard & Smith LLP

Vice Chair Bowman Talks Tailoring

Vice Chair Bowman tied together three threads that have appeared across her prior speeches — tailoring, transparency, and pragmatism — and translated them into near-term supervisory and capital priorities.

United States Finance

CW

Cadwalader, Wickersham & Taft LLP

Commonhold Reform: What The Draft Bill Tells Us

United States Real Estate

WB

Womble Bond Dickinson

Florida District Court Upholds CFPB's Residential PACE Rule

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

FINRA Triples Long-Standing Annual Gift Limit

United States Finance

HK

Holland & Knight

NAIC Working Group Discusses Potential Changes To Life Risk-Based Capital Factors For Certain Asset Classes

United States Insurance

MB

Mayer Brown

Court Of Appeal Confirms Transferee Lender May Maintain Inherited SVR And Clarifies Limits Of CCA Unfair Relationship Remedies For Regulated Mortgages

United States Finance

KL

Herbert Smith Freehills Kramer LLP

Supreme Court Of Ohio Concludes That Mortgage Borrowers Do Not Need To Suffer Actual Harm To Recover Monetary Damages If Lender Fails To Timely Record Mortgage Release

United States Litigation

CH

Calfee Halter & Griswold

Mortgage Banking Update - February 19, 2026

United States Finance

BS

Ballard Spahr LLP

New York State Department Of Financial Services Adopts Regulations Implementing The Community Reinvestment Act Covering Mortgage Bankers

United States Finance

MB

Mayer Brown

Low Rates, High Risk: Mortgage Buydowns And A Coming Wave Of AG Enforcement

United States Finance

B

Benesch Friedlander Coplan & Aronoff LLP

Getting Legal Architecture Right On Luxury Mixed-use

United States Real Estate

MB

Mayer Brown

Mortgage Banking Update - February 19, 2026

February 19 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys. In this issue...

United States Finance

BS

Ballard Spahr LLP

New York State Department Of Financial Services Adopts Regulations Implementing The Community Reinvestment Act Covering Mortgage Bankers

In January 2026, the New York State Department of Financial Services ("DFS") adopted its regulations (the "Regulations") implementing the provisions of the state's Community Reinvestment Act covering non-bank...

United States Finance

MB

Mayer Brown

Low Rates, High Risk: Mortgage Buydowns And A Coming Wave Of AG Enforcement

Large home builders are increasingly offering mortgage buydowns—promotional low interest rates for new homebuyers—to boost sales, but these incentives often mask higher...

United States Finance

B

Benesch Friedlander Coplan & Aronoff LLP

Getting Legal Architecture Right On Luxury Mixed-use

With branded residences on the rise, luxury mixed-use hospitality projects that span from hotels to multiple residence types, golf, food and beverage outlets, and more, are surging.

United States Real Estate

MB

Mayer Brown

CREF Roundup | Week 6, 2026

United States Real Estate

FB

FBT Gibbons

Supreme Court Hears Arguments Regarding President Trump's Attempt To Remove Lisa Cook From The Fed Board Of Governors

The U.S. Supreme Court recently heard oral arguments in Trump v. Cook, involving the issue of whether the President may remove Lisa Cook as a member of the Board of Governors of the Federal Reserve Board.

United States Litigation

BS

Ballard Spahr LLP

Can You Convert A Conventional Loan To An FHA Loan After The Contract Is Signed?

Buyers often assume their mortgage choice is locked in the moment a contract is signed. In reality, loan programs can change during the transaction. What matters is whether that change alters the terms of the deal.

United States Real Estate

MA

Minchella & Associates

Mortgage Banking Update - January 23, 2026

January 23 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys.

United States Finance

BS

Ballard Spahr LLP

New Statutory Accounting Guidance Permits "Look-Through" Treatment For Residential Mortgage Loans Held By Insurers In Qualifying Statutory Trusts

The NAIC Statutory Accounting Principles (E) Working Group has adopted a revised version of Item 2025-13, amending Statement of Statutory Accounting Principles ("SSAP") No. 37...

United States Finance

MB

Mayer Brown

New York Finalizes CRA-Style "Equitable Access" Rules For Mortgage Bankers

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

AGs' Interest In Capital One Savings Pays Off For Consumers

United States Finance

CO

Cozen O'Connor

US NAIC Fall 2025 National Meeting Highlights: Investment-Related Highlights

United States Insurance

MB

Mayer Brown

Mortgage Banking Update - January 8, 2026

United States Finance

BS

Ballard Spahr LLP

CFPB Adjusts HPML Asset Exemption Threshold

United States Finance

BS

Ballard Spahr LLP

Ohio Walks Back Prior Small Loan Act Guidance, Eases Licensing Position For Bank Partnerships

United States Finance

MB

Mayer Brown

Ohio Walks Back Prior Small Loan Act Guidance, Eases Licensing Position For Bank Partnerships

United States Finance

MB

Mayer Brown

Illinois Revamps The Scope Of Its Collection Agency Licensing Law

United States Finance

MB

Mayer Brown

Illinois Revamps The Scope Of Its Collection Agency Licensing Law

United States Finance

MB

Mayer Brown

Instructions For Facilitating A Child's Home Purchase

United States Finance

WD

Wiggin & Dana

Oregon Enters $1.56 Million Consent Order Over Alleged Excessive Interest Charges In Bank Partnership Lending Program

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Today's Podcast Episode: The CFPB's Most Ambitious Regulatory Agenda Ever – Part 2

United States Finance

BS

Ballard Spahr LLP

Cheat Sheet—FCA's New Targeted Support Regime—other Frequently Asked Questions (FAQs)

United States Consumer

AO

A&O Shearman

Mortgage Banking Update - December 18, 2025

United States Finance

BS

Ballard Spahr LLP

HUD Recently Announced The 2026 Loan Limits For FHA Forward Mortgages And HECMs

United States Finance

BS

Ballard Spahr LLP

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Latest Videos

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Consumer Credit In Focus—DP 25/2 Mortgage Rule Review: The Future Of The Mortgage Market (Podcast)

AO

A&O Shearman

Don't Sign Blindly: The Costly Contract Mistakes You Must Avoid (Video)

C

Crowley Law LLC

Dealology – Purchase Price & Post-Closing Liability Tax Factors (Video)

CL

Cooley LLP

No Foreclosure Summary Judgment Without Refuting "Notice and Opportunity to Cure" Defense: Remember to "Say it Ain't So"

FR

Fox Rothschild LLP

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