Emergency Housing Help for Save the Home

Sec. 3. Modernization of Home Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB will think about, as appropriate and consistent with relevant law, proposing modifications to Guideline C to raise the property limit for exemption from HMDA data collection and reporting requirements for smaller sized banks, to leave out inquiries from the scope of HMDA, and to guarantee that disclosures protect personal privacy and decrease problems, including insufficiently customized, expensive, and complex software application and training required for reporting banks.

apfsc.org

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 Housing Finance Company (FHFA) will consider, as appropriate and constant with suitable law: (i) revising capital policies, consistent with appropriate risk-management requirements, to tailor danger weights for all banks, consisting of neighborhood banks and other smaller banks, for portfolio mortgages, servicing rights, and storage facility lines of credit to the material credit risk of the exposure; (ii) improving collateral valuation and transfer systems in between the Federal Reserve and Federal Mortgage Banks (FHLBs); (iii) broadening access to longerdated FHLB advances tied to residential home mortgage properties; (iv) creating targeted FHLB liquidity programs for entrylevel real estate, owneroccupied purchase loans, and little property builders; (v) speeding up security boarding and valuation procedures through standardized data and digital documentation; and (vi) refocusing the FHLBs' Economical Housing Program on faster-cycle execution and greater monetary leverage for small 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 appropriate executive departments and agencies, will send a report to the Assistant to the President for Economic Policy and the Director of the Office of Management and Budget on the efficiency of national housing financing markets.

Strategic Debt Planning Strategies in 2026

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 consider, as proper and consistent with applicable law, modifying supervisory guidance both to leave out one-to four-family domestic advancement and construction financing from commercial property concentration assistance and to guarantee supervisory expectations support responsible building lending by community banks.

apfsc.org

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 shall think about, as appropriate and consistent with appropriate law and their statutory authorities: (i) improving appraisal policies and assistance to expand making use of alternative appraisal models, desktop and hybrid appraisals, and synthetic intelligence valuation tools; (ii) streamlining appraiser qualification requirements; and (iii) decreasing appraisal requirements for low-risk deals, consisting of low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Sec. 7. Digital Mortgage Modernization. (a) The Secretary of Farming, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA shall consider, as suitable and consistent with appropriate law: (i) getting rid of unneeded wetsignature requirements for disclosures, applications, closing files, and comparable documents; (ii) standardizing acceptance of electronic signatures, e-notes, and remote online notarization; and (iii) promoting digital home loan standards.

8. Servicing 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 shall consider, as proper and consistent with appropriate law: (i) lining up supervisory expectations to support portfolio mortgage servicing as a core community banking function; extending curefirst standards to goodfaith maintenance mistakes; simplifying loss mitigation requirements; and issuing a proposed guideline supplying exemptions from complex home mortgage services for smaller sized banks; and (ii) ensuring that supervisory evaluations of performing, prudently underwritten portfolio loans do not focus on technical flaws or depend on progressing supervisory interpretations.

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 shall consider, as suitable and consistent with appropriate law, promulgating a policy against enforcement actions for infractions of customer monetary laws that: (i) discourages imposing civil monetary charges, except where the underlying offenses are willful, knowing, or reckless; (ii) considers excellent corporate conduct, including a bank's correction of good-faith, technical compliance mistakes; and (iii) enables organizations a sensible opportunity for self-identification and remediation of appropriate compliance matters.