2026 Trends in Housing Support

Sec. 3. Modernization of Home Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB will consider, as proper and consistent with relevant law, proposing modifications to Regulation C to raise the asset limit for exemption from HMDA data collection and reporting requirements for smaller banks, to omit queries from the scope of HMDA, and to ensure that disclosures secure privacy and minimize problems, consisting of insufficiently tailored, pricey, and complex software application and training required for reporting financial institutions.

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4. Capital and Liquidity Alignment. (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 Housing Financing Company (FHFA) will think about, as proper and constant with appropriate law: (i) revising capital regulations, consistent with suitable risk-management requirements, to customize threat weights for all banks, including community banks and other smaller banks, for portfolio home loans, servicing rights, and storage facility lines of credit to the material credit danger of the exposure; (ii) modernizing security valuation and transfer systems between the Federal Reserve and Federal Home Mortgage Banks (FHLBs); (iii) broadening access to longerdated FHLB advances connected to residential home loan assets; (iv) producing targeted FHLB liquidity programs for entrylevel housing, owneroccupied purchase loans, and small property home builders; (v) accelerating collateral boarding and evaluation procedures through standardized data and digital paperwork; and (vi) refocusing the FHLBs' Budget-friendly Real estate Program on faster-cycle execution and greater monetary leverage 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 consultation with the heads of other pertinent executive departments and firms, will send a report to the Assistant to the President for Economic Policy and the Director of the Workplace of Management and Budget on the efficiency of national real estate financing markets.

Reviewing Assistance vs Short Sale Options

Sec. 5. Building and Real Estate 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, shall think about, as suitable and constant with applicable law, modifying supervisory guidance both to leave out one-to four-family property development and building loaning from commercial property concentration assistance and to guarantee supervisory expectations support responsible building financing 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 think about, as appropriate and constant with suitable law and their statutory authorities: (i) updating appraisal policies and assistance to expand making use of alternative valuation models, desktop and hybrid appraisals, and synthetic intelligence appraisal tools; (ii) streamlining appraiser certification requirements; and (iii) lowering appraisal requirements for low-risk transactions, consisting of low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Sec. 7. Digital Home Loan Modernization. (a) The Secretary of Farming, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA shall consider, as appropriate and consistent with applicable law: (i) removing 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 home loan 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 consider, as suitable and consistent with relevant law: (i) aligning supervisory expectations to support portfolio home loan servicing as a core neighborhood banking function; extending curefirst standards to goodfaith maintenance errors; simplifying loss mitigation requirements; and providing a proposed rule supplying exemptions from complex home loan services for smaller banks; and (ii) guaranteeing that supervisory assessments of performing, prudently underwritten portfolio loans do not concentrate on technical problems or count on developing 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 proper and constant with applicable law, promoting a policy versus enforcement actions for infractions of customer monetary laws that: (i) prevents enforcing civil monetary charges, except where the underlying violations are willful, understanding, or careless; (ii) thinks about great corporate conduct, including a bank's correction of good-faith, technical compliance errors; and (iii) allows organizations an affordable opportunity for self-identification and remediation of proper compliance matters.