Why Mortgage Relief Helps in 2026

Sec. 3. Modernization of Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB will consider, as suitable and consistent with applicable law, proposing changes to Guideline C to raise the property threshold for exemption from HMDA information collection and reporting requirements for smaller sized banks, to exclude inquiries from the scope of HMDA, and to guarantee that disclosures protect personal privacy and decrease problems, consisting of insufficiently customized, expensive, and complex software and training required for reporting banks.

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4. Capital and Liquidity Positioning. (a) The Vice Chairman for Supervision 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 Housing Finance Agency (FHFA) will consider, as suitable and constant with applicable law: (i) revising capital policies, consistent with appropriate risk-management requirements, to customize threat weights for all banks, including neighborhood banks and other smaller banks, for portfolio home loans, servicing rights, and warehouse lines of credit to the material credit danger of the exposure; (ii) improving security evaluation and transfer systems between the Federal Reserve and Federal Home Loan Banks (FHLBs); (iii) expanding access to longerdated FHLB advances connected to residential home loan assets; (iv) creating targeted FHLB liquidity programs for entrylevel real estate, owneroccupied purchase loans, and small domestic contractors; (v) accelerating security boarding and valuation procedures through standardized information and digital documentation; and (vi) refocusing the FHLBs' Affordable Housing Program on faster-cycle execution and greater monetary take advantage of for small-scale and owner-occupied real estate 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 companies, shall send a report to the Assistant to the President for Economic Policy and the Director of the Workplace of Management and Budget on the effectiveness of nationwide real estate financing markets.

Emergency Housing Help for Save the Home

Building and Housing Supply. (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, shall think about, as proper and consistent with appropriate law, modifying supervisory assistance both to leave out one-to four-family property development and construction lending from business real estate concentration assistance and to ensure supervisory expectations support accountable building loaning by community banks.

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6. Appraisal Modernization. (a) The Vice Chairman for Supervision 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 proper and consistent with appropriate law and their statutory authorities: (i) updating appraisal policies and assistance to expand making use of alternative valuation models, desktop and hybrid appraisals, and expert system valuation tools; (ii) simplifying appraiser qualification requirements; and (iii) decreasing appraisal requirements for low-risk transactions, consisting of low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Digital Home Loan Modernization. (a) The Secretary of Agriculture, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA will think about, as suitable and consistent with appropriate law: (i) eliminating unneeded wetsignature requirements for disclosures, applications, closing documents, and comparable documents; (ii) standardizing approval of electronic signatures, e-notes, and remote online notarization; and (iii) promoting digital mortgage requirements.

8. Servicing and Supervisory Certainty. (a) The Secretary of HUD, 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 suitable and constant with relevant law: (i) aligning supervisory expectations to support portfolio home mortgage servicing as a core community banking function; extending curefirst standards to goodfaith servicing mistakes; streamlining loss mitigation requirements; and providing a proposed rule supplying exemptions from intricate mortgage services for smaller sized banks; and (ii) guaranteeing that supervisory assessments of performing, wisely underwritten portfolio loans do not concentrate on technical problems or count on developing supervisory analyses.

9. Enforcement. (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 think about, as proper and constant with appropriate law, promulgating a policy against enforcement actions for violations of customer monetary laws that: (i) dissuades imposing civil monetary charges, other than where the underlying offenses are willful, knowing, or careless; (ii) considers good business conduct, consisting of a bank's correction of good-faith, technical compliance errors; and (iii) permits organizations a sensible opportunity for self-identification and remediation of proper compliance matters.