2026 Trends in Housing Support

Modernization of Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB will consider, as proper and consistent with suitable law, proposing modifications to Policy C to raise the possession threshold for exemption from HMDA data collection and reporting requirements for smaller sized banks, to leave out questions from the scope of HMDA, and to guarantee that disclosures safeguard personal privacy and lower concerns, consisting of insufficiently tailored, costly, and complex software application and training required for reporting financial institutions.

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4. Capital and Liquidity Positioning. (a) The Vice Chairman for Guidance of the Federal Reserve, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, the Comptroller of the Currency, and the Director of the Federal Real Estate Finance Agency (FHFA) shall think about, as appropriate and constant with relevant law: (i) modifying capital guidelines, consistent with suitable risk-management requirements, to customize danger weights for all banks, including neighborhood banks and other smaller sized banks, for portfolio home mortgages, maintenance rights, and storage facility lines of credit to the product credit risk of the exposure; (ii) modernizing security valuation and transfer systems in between the Federal Reserve and Federal Home Loan Banks (FHLBs); (iii) expanding access to longerdated FHLB advances connected to residential mortgage properties; (iv) producing targeted FHLB liquidity programs for entrylevel real estate, owneroccupied purchase loans, and small domestic builders; (v) accelerating collateral boarding and evaluation procedures through standardized data and digital documentation; and (vi) refocusing the FHLBs' Inexpensive Real estate Program on faster-cycle execution and higher monetary leverage for small-scale and owner-occupied housing tasks.

(c) Within 120 days of the date of this order, the Director of the FHFA, in assessment with the heads of other appropriate executive departments and agencies, will submit a report to the Assistant to the President for Economic Policy and the Director of the Office of Management and Budget plan on the effectiveness of national real estate financing markets.

How to Manage Mortgage Payments Smartly in 2026

Sec. 5. Building And Construction and Housing Supply. (a) The Vice Chairman for Guidance of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, and the Comptroller of the Currency, will consider, as proper and constant with suitable law, modifying supervisory assistance both to exclude one-to four-family domestic development and construction lending from commercial realty concentration assistance and to guarantee supervisory expectations support responsible building and construction financing by neighborhood banks.

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6. Appraisal Modernization. (a) The Vice Chairman for Guidance of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of Board of Directors of the FDIC, the Comptroller of the Currency, and the Director of the FHFA will consider, as appropriate and constant with applicable law and their statutory authorities: (i) improving appraisal guidelines and guidance to broaden making use of alternative valuation designs, desktop and hybrid appraisals, and expert system evaluation tools; (ii) streamlining appraiser certification requirements; and (iii) decreasing appraisal requirements for low-risk deals, including low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Sec. 7. Digital Home Mortgage Modernization. (a) The Secretary of Farming, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA shall think about, as proper and constant with suitable law: (i) getting rid of unnecessary wetsignature requirements for disclosures, applications, closing files, and comparable files; (ii) standardizing acceptance of electronic signatures, e-notes, and remote online notarization; and (iii) promoting digital mortgage requirements.

8. Maintenance and Supervisory Certainty. (a) The Secretary of HUD, the Vice Chairman for Supervision of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, and the Comptroller of the Currency will think about, as appropriate and consistent with appropriate law: (i) aligning supervisory expectations to support portfolio home loan servicing as a core community banking function; extending curefirst requirements to goodfaith maintenance mistakes; streamlining loss mitigation requirements; and providing a proposed guideline offering exemptions from intricate home loan services for smaller sized banks; and (ii) making sure that supervisory examinations of performing, prudently underwritten portfolio loans do not concentrate on technical problems or rely on evolving supervisory analyses.

9. Enforcement. (a) The Vice Chairman for Supervision of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, and the Comptroller of the Currency will think about, as appropriate and constant with relevant law, promoting a policy versus enforcement actions for offenses of consumer financial laws that: (i) prevents enforcing civil financial penalties, except where the underlying offenses are willful, understanding, or careless; (ii) considers excellent business conduct, including a bank's correction of good-faith, technical compliance mistakes; and (iii) permits organizations a sensible chance for self-identification and removal of suitable compliance matters.