The Consumer Financial Protection Bureau announced the publication of Home Mortgage Disclosure Act Modified Loan Application Register data for 2024, as required by federal statute.

The National Credit Union Administration released its latest quarterly U.S. Map Review report for the fourth quarter of 2024, highlighting trends among credit unions across the nation using an interactive map on the agency’s website.

As widespread uncertainty continues about the impact of recent policy changes on the U.S. economy, specifically with respect to future rate reductions, Experian North America Chief Economist Joseph Mayans advised attendees at the Consumer Bankers Association’s annual conference in Orlando to stay “nimble” with respect to business strategies.

A litany of longstanding disagreements about how to increase accountability at the Consumer Financial Protection Bureau (CFPB) while still enabling it to carry out its statutory mission came to light during the House Financial Services Committee’s hearing titled, “A New Era for the CFPB: Balancing Power and Reprioritizing Consumer Protections.”

The U.S. Treasury’s Financial Crimes Enforcement Network officially ended the enforcement of beneficial ownership information (BOI) reporting requirements for domestic entities, following a previous announcement on BOI requirements for U.S. companies and individuals.

The Federal Housing Finance Agency rescinded guidance establishing expectations for the government-sponsored enterprises and the Federal Home Loan Banks regarding unfair or deceptive acts or practices.

Western Alliance Bank reported a data breach involving a third-party vendor’s file transfer software, which exposed some customer personal information. The independent mortgage broker said although personal information was compromised, there is currently no evidence of fraud or identity theft resulting from the incident.

The federal bank regulatory agencies announced their intent to rescind the 2023 Community Reinvestment Act (CRA) final rule and reinstate the CRA framework that existed prior to the October 2023 final rule. The agencies cited “pending litigation” as the basis for their decision.

The Office of the Comptroller of the Currency granted conditional approval for a fintech firm to acquire CenTrust Bank, N.A. This marks the first time a fintech has acquired a bank charter since 2021. Acting Comptroller Rodney Hood shared his views on the acquisition during CBA LIVE 2025 in Orlando.