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The following is a list of recently published announcements/newsletters related to our mortgage industry that we thought may be of interest to you. To access the announcement or newsletter, please click on the link provided below.

October 2017
Arrow North Carolina Uniform Power of Attorney Act Enacted
Arrow Reminder of UCD Mandate Beginning September 25, 2017
Arrow Freddie Mac Publishes Requirements for the Electronic Recording of Paper and Electronic Closing and Post-Closing Documents
September, 2017 - No Industry Announcements This Month
August, 2017- No Industry Announcements This Month
July 2017
Arrow Louisiana Updates Recording Fee
June 2017
Arrow Freddie Mac Issues Guide Bulletin 2017-10
Arrow CFPB Finalizes Updates to "Know Before You Owe" Mortgage Disclosure
May 2017
Arrow Fannie Mae Issues Selling Guide Announcement SEL-2017-05
Arrow FHA Issues Updated Forms
Arrow VA Modifies Instructions for Completing Interest Rate Reduction Refinance Loan Worksheet
Arrow California DBO Issues Release No. 58-FS (Revised)
April 2017
Arrow VA Issues Circular Regarding Instructions for Documenting Allowable Fees and Charges
Arrow VA Issues Circular Regarding Instructions for Completing VA Form 26-8923
Arrow Fannie Mae Issues SEL-2017-04
March 2017
Arrow Arkansas Passes HB 1450 Regarding Fees Notaries Public May Charge
Arrow VA Extends Rescission Date of Circular 26-15-26
Arrow Fannie Mae Announces Policy Regarding Using MERS® for Properties in Maine
Arrow Wyoming Passes Uniform Power of Attorney Act
ArrowVirginia Passes Legislation Regarding Electronic Filing System for Land Records
February 2017
Arrow VA Extends Rescission Date of Circular 26-14-23
ArrowVA Extends Rescission Date of Circular 26-15-29
January 2017
Arrow FHA Indefinitely Suspends Reduction in MIP Rates
ArrowVA Announces New Electronic Upload Requirements for Prior Approval Submissions
Arrow VA Extends Rescission Date of Circular 26-14-22
ArrowOhio Modifies Consumer Sales Practices Act
December 2016
Arrow 2017 FHA Nationwide Forward Mortgage Limits
ArrowFHA Issues New Guidance on Maximum Allowable Fee for Assumptions
Arrow Fannie Mae Issues Selling Guide Announcement SEL-2016-09
ArrowFHA Extends Implementation Date of Selected Sections of Handbook 4000.1
ArrowVA Announces Loan Limits for 2017
ArrowVA Issues Circular Addressing Lead-Based Paint Hazards
November 2016
Arrow Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
Arrow CFPB Issues TILA (Regulation Z) Annual Threshold Adjustment
Arrow 2017 Conforming Loan Limits Published
Arrow VA Announces Requirement for Electronic Filing of Condominium Association Documents
October 2016
Arrow Compliance Bulletin and Policy Guidance; 2016–02, Service Providers
Arrow Fannie Mae Updates Selling Guide
Arrow CFPB Updates Small Entity Compliance Guide for TRID Rule
Arrow CFPB Updates Guide to the Loan Estimate and Closing Disclosure Forms
September 2016
Arrow GSEs Announce UCD will be Required as of Sept. 25, 2017
Arrow Fannie Mae and Freddie Mac Release Redesigned URLA/Form 1003
Arrow Updates to the FEMA Standard Flood Hazard Determination Form
August 2016
Arrow Fannie Mae Issues Selling Guide Announcement SEL-2016-07
Arrow USDA's Upfront and Annual Fees are Getting Smaller...
Arrow GSE Survey Identifies Ways to Speed eMortgage Adoption
Arrow FHA Publishes Mortgagee Letter 2016-12
Arrow CFPB Publishes Settlement Professional's Guide for Know Before You Owe Rule
Arrow VA Publishes Circular 26-16-21
July 2016
Arrow CFPB Publishes HMDA Transactional Coverage Chart
Arrow CFPB Publishes Filing Instructions Guide for HMDA Data Collected in 2017
Arrow HUD/VA Addendum to URLA (Form 92900-A)
Arrow Colorado Disclosures Retired
Arrow West Virginia Updates Rule Regarding Accrual of Interest
June 2016
Arrow Truth in Lending (Regulation Z) Annual Threshold Adjustments
Arrow Full EAD Portal Appraisal Submissions Required
Arrow GSEs Announce UCD Delivery Requirement for Q3 2017
May 2016
Arrow 7 CFR Part 3555 Final Rule & HB-1-3555 Revisions
Arrow UCDP Data Field Updates Coming June 13
Arrow Annotated Versions of LE and CD Available on CFPB Website
Arrow CFPB Announces Plans to Issue Notice of Proposed Rulemaking (NPRM) to TRID Rule
April 2016
Arrow New 203(k) Calculator Available
Arrow VA Announces New Mandatory Stacking Order for Purchases, Cash-Out Refis and IRRRLs
Arrow VA Clarifies Policy on Itemizing Fees on TRID’s Closing Disclosure
Arrow Selling Guide Announcement SEL-2016-03
March 2016
Arrow FHA Corrects Incorrect Maximum LTV Factor for 203(k) Loans
Arrow FHA Announces SF Handbook as Single Source for Single Family Housing Title II Mortgages
Arrow Fannie Mae Issues Selling Guide Announcement SEL-2016-02
Arrow Fannie Mae Issues Selling and Servicing Notice Regarding Flint, MI Water Crisis
February 2016
Arrow CFPB "Know Before You Owe" Construction Lending
Arrow Updates to Single Family Housing Policy Handbook 4000.1
Arrow Office of the Comptroller Updates Risk Management and Installment Lending Booklets
Arrow Federal Reserve System Repeals Regulation AA
January 2016
Arrow CFPB Letter to MBA Regarding “Know Before You Owe” Implementation
Arrow Oregon Department of Consumer and Business Services Creates New Division of Financial Regulation
Arrow CFPB Releases Rural and Underserved Areas Tool
December 2015
Arrow TILA (Regulation Z) Adjustment to Asset-Size Exemption Threshold
Arrow Correction of 2013 Integrated Mortgage Disclosures Rule Under RESPA (Regulation X) and TILA (Regulation Z)
Arrow Selling Guide Announcement (SEL-2015-13)
November 2015
Arrow CFPB Releases Fall 2015 Rule Making Agenda
Arrow FHA Eases Condominium Project Approval Requirements
Arrow FFIEC Releases New Information Technology Exam Handbook
Arrow New York State Department of Financial Services Proposes Cyber Security Regulation
Arrow CFPB Revises Supervisory Appeals Process
Arrow CFPB Issues Final Amendments to Home Mortgage Disclosure Act
October 2015
Arrow Fannie Mae Issues TRID FAQs
Arrow CFPB Releases Compliance Bulletin 2015-05 Regarding RESPA Compliance and Marketing Services Agreements
Arrow U.S. House of Representatives Passes Bill to Delay TRID
Arrow Department of Veterans Affairs Servicer Handbook M26-4 Released
September 2015
Arrow CFPB Issues Final Rule Regarding Small Creditors and Rural or Underserved Areas Under TILA
Arrow FHA Announces Temporary Waiver for Requirement of Form 26-8937, Verification of VA Benefits
Arrow CFPB Releases New Tools for the Know Before You Owe Initiative
Arrow Montana Updates/Revises Notarial Laws
Arrow TX Finance Commission Adopts Regulation Regarding Denial, Suspension, or Revocation Based on Criminal History
August 2015
Arrow CFPB Reports Findings From "Know Before You Owe" eClosing Pilot Project
Arrow CFPB Issues Guidance Regarding Cancellation and Termination of PMI
Arrow CFPB Publishes Real Estate Professional's Guide
Arrow Arizona Adopts National SAFE MLO Test
July 2015
Arrow CFPB Will Be Hosting a “Know Before You Owe Initiative” Forum on eClosing
Arrow California Department of Business Oversight Comment Period Open for Proposed Regulation
Arrow CFPB Launches First Monthly Complaint Report
Arrow California Modifies Continuing Education Requirements for Real Estate Brokers
Arrow Rhode Island Defines Mortgage Trigger Lead, Enacts Restrictions
June 2015
Arrow CFPB Publishes Proposed Rule to Delay TRID Effective Date
Arrow FHA Posts New Single Family Housing Policy Handbook 4000.1 Information Page
Arrow Revised Security Instrument for New Mexico
Arrow South Dakota’s New Licensing Requirements
May 2015
Arrow Fannie Mae and Freddie Mac Issue Revised PMI Requirements
Arrow FHA Extends Effective Date of Single Family Handbook to September 14, 2015
Arrow OCC Issues Updated Examination Procedures
April 2015
Arrow CFPB Issues Guidance on Housing Counselor Requirement
Arrow West Virginia to Increase Allowable Delinquency Charges
Arrow CFPB’s New “Know Before You Owe” Mortgage Tool Kit
Arrow FHA Announces New Electronic Appraisal Delivery Portal
ArrowFHA New Single Family Handbook
March 2015
Arrow CFPB Updates TRID Implementation Materials
Arrow CFPB Issues Supervisory Report That Outlines Legal Violations
Arrow Fannie Mae Selling Guide Updates
Arrow HUD Issues Clarification of Annual Threshold Adjustments for QM Rule, Points and Fees Limits
February 2015
Arrow New Fannie Mae Lender Letter Provides Clarification on Appraisal Tools, Processes, and Policies
Arrow FHFA Announces Proposal of New Minimum Financial Requirements for Nonbanks
Arrow USDA’s Amended Eligibility Maps Now in Effect for Single Family Housing Guaranteed Loan Program
Arrow Fannie Mae Announces Selling Guide Updates
Arrow CFPB Issues Proposed Rule Regarding Small Creditors and Underserved Areas
January 2015
Arrow CFPB Finalizes Amendments to TILA-RESPA Integrated Disclosures (TRID)
Arrow FHA Reduces Annual Mortgage Insurance Premium Rates
Arrow Massachusetts Amends 209 CMR 32.00 - Truth In Lending
Arrow FHA Eliminates Post-Payment Interest Charges
December 2014
Arrow FHA Single Family Housing Policy Handbook: Six Months to Effective Date for Sections
arrow Fannie Mae Announcement SEL-2014-15
arrow CFPB FAQs on New Closing Disclosure
arrow Massachusetts Flood Insurance Sample Form and FAQs
November 2014
Arrow FHFA Director Melvin Watt’s Testimony to the U.S. Senate Committee on Banking, Housing and Urban Affairs
arrow CFPB Issues Warning to Lenders: Do Not Discriminate Against Borrowers Who Receive Social Security Disability Income
arrow FHA Announces Refinance of Borrowers in Negative Equity Positions - Program Extension
arrow CFPB Finalizes Changes to Mortgage Rules Under The Truth in Lending Act
October 2014
Arrow CFPB Issues Proposed Rule Regarding Revisions to TRID Final Rule and MLO Disclosure Requirements of NMLS ID
Arrow Section 184 Indian Housing Loan Guarantee Program New Annual Premium
Arrow U.S. Department of Veterans Affairs Issues Circulars
Arrow Fannie Mae Selling Guide Announcement SEL-2014-12
Arrow USDA Confirms Acceptance of Electronic Signatures
September 2014
Arrow CFPB Releases Updated Guides for TILA-RESPA Integrated Disclosure Rule
Arrow Dollar Threshold for Exempt Consumer Credit Transactions Amended
Arrow Lender/Servicer Compliance with CFPB Requirements for ARMs
Arrow Lender Letter LL-2014-04: Fannie Mae Quality Control Related to HOEPA
Arrow Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD ACT, HOEPA, and ATR/QM)
August 2014
Arrow CFPB Proposes Extensive New HMDA Rules
Arrow SEL 2014-10 Selling Guide Updates
Arrow FHA Info 14-46
Arrow Preview Version of the 2014 Fannie Mae Servicing Guide
July 2014
Arrow CFPB Issues Guidance Regarding Mortgage Brokers Transitioning to Mini-Correspondent Lenders
Arrow FHFA Seeks Public Input on Revised MI Eligibility Requirements
Arrow CFPB Issues Interpretive Rule on Successors and the Ability to Repay Rule
Arrow CFPB Describes Policy of Equal Treatment of Lawfully Married Same-Sex Couples
June 2014
Arrow SEL 2014-06: Selling Guide Announcement
Arrow CFPB Releases Semi-Annual Report
Arrow Selling Notice: 2014 Area Median Incomes
May 2014
Arrow HUD Proposes Rule on FHA Regulations Governing Single Family ARM Program
Arrow SVC 2014-06: Lender-Placed Insurance Compliance Certification
Arrow VA Clarifies Policy on Unallowable Fees
Arrow Fannie Mae May 2014 DU Releases
April 2014
Arrow Announcement SEL-2014-03: Selling Guide Updates
Arrow CFPB Releases Guide to Completing TILA-RESPA Integrated Disclosure Forms
Arrow Transition to Automated Loan Closing for Guaranteed Loans
Arrow President Signs Homeowner Flood Insurance Affordability Act
March 2014
Arrow Maine Modifies Provisions Regarding Consumer Credit Code and Multistate Licensing
Arrow HUD Proposes to Eliminate Post-Payment Interest on FHA Loans
Arrow Fannie Mae Delays Standard Modification and Streamlined Policy Updates
Arrow Access to Fannie Mae's Selling Guide
February 2014
Arrow OCC Releases Updated Comptroller’s Handbook
Arrow HUD Mortgagee Letter 2014-03: FHA Approves Electronic Signatures
Arrow SVC 2014-02: Miscellaneous Servicing Policy Changes
Arrow SVC 2014-01: Mortgage Loan Modification Payment Change Notification Updates
January 2014
Arrow CFPB Releases New Mortgage Rule Resources for Consumers
Arrow SEL 2014-01: Pricing Changes Update
Arrow CFPB Updates CHARM Booklet
December 2013
Arrow SEL 2013-09: Changes to Pricing Terms
Arrow CFPB Establishes Dollar Amount Threshold for HOEPA for 2014
Arrow HUD Adopts Its Own QM Rule
Arrow  Mortgagee Letter 2013-43: Federal Housing Administration Maximum Loan Limit
Arrow New Jersey Increases High Cost Loan Amount
Arrow Lender Letter 13-09: FHFA Releases 2014 Maximum Conforming Loan Limits
November 2013
Arrow CFPB Finalizes “Know Before You Owe” Mortgage Forms
Arrow CFPB Releases Online Database of Housing Counselors
Arrow Fannie Mae Updates Louisiana and West Virginia Security Instruments
Arrow Servicing Guide Announcement SVC 2013-22
October 2013
Arrow Federal Regulators Provide Guidance on Qualified Mortgage Fair Lending Risks
Arrow CFPB Provides Guidance on Mortgage Servicing Rules
Arrow Fannie Mae Servicing Announcement 2013-20
Arrow Fannie Mae Addresses Quality Control and Additional Information Related to Ability to Repay and Qualified Mortgage Requirements
September 2013
Arrow Fannie Mae Defect Categories List
Arrow Supplemental Directive 13-07: Making Home Affordable Program - Handbook for Servicers Version 4.3
August 2013
Arrow CFPB Releases Second Update on Exam Procedures for Mortgage Rules


Arrow CFPB Issues Updated Small Entity Compliance Guide for the ATR/QM Rule
Arrow Update on HUD Mortgagee Letter 2013-04
Arrow Banking Agencies Issue Proposed Rule on Appraisals for Higher-Priced Mortgage Loans
Arrow SVC-2013-16: Updates to Assistance in Disasters
Arrow  GSE's Developing Standardized Dataset to Support CFPB’s Closing Disclosure Form


July 2013
Arrow CFPB: Proposal to Exempt Some Loans from TILA Appraisal Requirements
Arrow CFPB Clarifications and Revisions to 2013 Mortgage Rules
Arrow Pennsylvania Amends Mortgage Licensing Act
Arrow Inaugural Edition of Lender Insight
Arrow CFPB Proposed Amendments to Mortgage Rules under RESPA, TILA and ECOA
Arrow Kansas Revises Provisions Regarding Mortgage Interest Rates
June 2013
Arrow CFPB Launches Regulatory Implementation Web Page
Arrow CFPB Publishes Small Entity Compliance Guide for Mortgage Servicing Rules
Arrow CFPB Publishes Small Entity Compliance Guide for Loan Originator Compensation Rule
Arrow FHA and Higher Priced Mortgage Loans
Arrow CFPB Updates Examination Procedures for New Mortgage Regulations
Arrow Home Affordable Program Deadline Extended
May 2013
Arrow Fredde Mac Bulletin 2013-8: Selling and Servicing Guide
Arrow CFPB Debuts Spanish Language Website
Arrow LL 2013-05: Qualified Mortgages
Arrow ML 2013-12: Lender Insurance Program
April 2013
Arrow FHFA Extends HARP to 2015
Arrow CFPB Teleconference Series by the FDIC
Arrow SEL 13-03: Miscellaneous Selling Guide Updates
Arrow Indiana Amends Mortgage and Vendor Liens Provisions
Arrow North Dakota Amends Late Payment Restriction
March 2013
Arrow SVC 13-03: Miscellaneous Servicing Policy Updates
February 2013
Arrow CFPB Lays Out Implementation Plan for New Mortgage Rules
Arrow CFPB Warns Mortgage Servicers About Legal Protections For Consumers
Arrow FHA Change to Maximum LTV Financing Solicitation of Comment
Arrow Freddie Mac Guide Bulletin 2013-2: Selling Requirements Changes
Arrow ML 2013-05: Manual Underwriting for Specific Transactions
Arrow FHFA Request for Comment on Availability of Non-Public Information
Arrow SEL 2013-02: Lender Incentives for Borrowers and Private Flood Insurance Policies
January 2013
Arrow Fannie Mae Issues Lender Letter LL-2013-01
Arrow Loan Originator Compensation Final Rule Issued
Arrow Agencies Issue Joint Final Rule on Appraisals for Higher-Priced Mortgage Loans
Arrow Final Rule Issued on Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under Regulation B
Arrow CFPB Issues Mortgage Servicing Final Rules
Arrow Fannie Mae Releases Selling Guide Announcement SEL-2013-01
Arrow CFPB Issues Final Rule on Ability to Repay and Qualified Mortgage Standards
Arrow CFPB Issues Final Rule Governing Escrow Requirements under Regulation Z
Arrow CFPB Issues Final Rule on High-Cost Mortgage and Homeownership Counseling
December 2012
Arrow ML 2012-26: Federal Housing Administration Maximum Loan Limit
Arrow California Cautions Lenders Regarding Vendor Vetting and Management
Arrow FHA Extends Waiver Period for Property Flipping
Arrow Mortgagee Letter 2012-24: Secondary Financing Eligibility Requirements for Internal Revenue Code (IRC) Section 115 Entities
Arrow OCC Bulletin 2012-38: Civil Money Penalty: Inflation Adjustment Amendments
Arrow VA Revises Lender’s Handbook
Arrow CFPB Establishes Dollar Amount Threshold for HOEPA for 2013
Arrow ML 2012-22: Revisions to FHA’s Loss Mitigation Home Retention Options
Arrow ML 2012-23: Guidance for FHA-Approved Mortgagees Originating and Servicing Mortgages in Presidentially-Declared Major Disaster Areas
November 2012
Arrow Freddie Mac Guide Bulletin 2012-26 - Servicing Requirements Related to Properties Affected by Hurricane Sandy and Other Disaster-Related Requirements
Arrow SEL 2012-13: Selling Guide Updates
Arrow LL-2012-09: Additional Flexibilities for Mortgage Loans Impacted by Hurricane Sandy
Arrow Mortgagee Letter 2012-21: Extension of Implementation Date for Mortgagee Letter 2012-11, Clarification Regarding Title Approval at Conveyance
Arrow FHA Disaster Relief Information
Arrow Guaranteed Annual Fee (GAF) User Guide Now Available
October 2012
Arrow Rural Development’s Single Family Housing Guaranteed Loan –Funding Received for 2013
Arrow Mortgagee Letter 2012-19: Hazard and Flood Insurance Requirement Reminder
September 2012
Arrow ML 12-18: Temporary Approval Provisions for the Federal Housing Administration (FHA) Condominium Project Approval Process
Arrow New Lender Selling Rep and Warrant Framework Announced
Arrow SVC 12-19: Standard Short Sale/HAFA II and Deed-in-Lieu of Foreclosure Requirements
Arrow SVC 12-18: Fannie Mae Updates Delinquency Management and Default Prevention Requirements
Arrow SVC 12-17: Updates to Hazard Insurance Coverage Policy
Arrow CFPB Issues Proposed Rule Regarding Appraisals, Including Right to Copy Notices
Arrow FHFA Issues Guidelines for Short Sales
Arrow ML 12-15: Documentation Requirements for Income from the Social Security Administration
Arrow CFPB Issues Proposed Loan Originator Compensation Rules
August 2012
Arrow Agencies Issue Proposed Rule on Appraisals for Higher-Risk Mortgages
Arrow CFPB Issues Proposed Rule Regarding Changes to Homeownership Counseling Under Regulations X & Z
Arrow Updated Missouri Consumer Credit Laws
Arrow VA Circular 26-12-7: VA Announces Maximum Guaranty for Loans Closed 8/6/2012 to 12/31/2012
Arrow SVC 12-14: Termination of Mandatory Pre-Filing Mediation for Mortgage Loans in Florida
Arrow SVC 12-13: Housing and Economic Recovery Act (HERA) Reporting Requirements
Arrow ML 12-14: Extension of Implementation Date for Mortgagee Letter 2012-11
Arrow Colorado’s Division of Real Estate Publishes Their Summer Division of Real Estate Newsletter
July 2012
Arrow U.S. Congress Extends National Flood Insurance Act Until September 30, 2017
Arrow Freddie Mac Guide Bulletin 2012-14:  Condominium Project Requirements
Arrow FAQs for HO-6 and Master/Blanket Insurance for Condominiums
Arrow RESPA: Proposed Rule Regarding Integrated Mortgage Disclosures Under RESPA and TILA Released
Arrow High-Cost Mortgage and Homeownership Counseling Amendments
Arrow SEL 2012-06: Selling Guide and Other Updates
Arrow ML 12-12: Responsibilities of Mortgagees in Regard to State and Local Laws
Arrow ML 12-11: Clarification Regarding Title Approval at Conveyance
June 2012
Arrow Originating Org ID for MOM Loans
Arrow FAQs on Streamline Refinance Transaction Indemnification
Arrow SVC 2012-10: Fannie Mae Updates Notice of Data Breach and Incident Response Policy
Arrow Servicing Notice: Revisions to Fannie Mae Loan Modification Agreement
Arrow Announcement SEL-2012-05: Private Transfer Fee Covenants
Arrow California DRE Publishes Real Estate Bulletin for Summer 2012
May 2012
Arrow SVC 2012-08: New Document Custodian Requirements
Arrow Updates to Instructions for the Illinois and Mississippi Security Instruments Posted
Arrow Single Family Housing Guaranteed Underwriting System: Enhanced Eligibility Mapping
Arrow SEL-2012-03: Changes to Pricing Terms
Arrow SVC-2012-07: Fannie Mae Announces Changes to Servicer Response Times and the Preforeclosure Sale Process
Arrow RD AN No. 4634: Rural Refinance Pilot
Arrow RD AN No. 4635:  Refinancing Single Family Housing Loans
April 2012
Arrow Spring 2012 Real Estate Newsletter published by Colorado’s Division of Real Estate
Arrow SVC-2012-05: Payment of Homeowners' Association Dues and Condo Assessments
Arrow LL-2012-04: City of Chicago Vacant Property Ordinance Update
Arrow CFPB Issues Notice Regarding Allowable Charges for Disclosures under FCRA
Arrow CFPB Bulletin 2012-02: Payments to Loan Originators
Arrow Escrow Funds/Payoff Statements
March 2012
Arrow FAQ’s to ML 2011-11 Clarified
Arrow ML 12-6: Changes to FHA’s Occupied Conveyance Procedures
Arrow ML 12-5: FHA Refinance of Borrowers in Negative Equity Positions: Program Enhancements
Arrow SEL 12-01: Selling Guide Updates Reposted
Arrow ML 12-4: Single Family Mortgage Insurance: Annual and Up-Front Mortgage Insurance Premium – Changes
Arrow Freddie Mac Guide Bulletin 2012-6: Freddie Mac Implementation of 10 Basis Points Guarantee Fee Increase
Arrow Loan Workout Hierarchy Fact Sheets Updated
Arrow ML 12-03: Miscellaneous Underwriting Issues
Arrow SEL 12-02: Selling Guide Updates
Arrow HUD Publishes Revised Proposal for Limiting Seller Concessions
Arrow CFPB Convenes Small Business Panel for Know Before You Owe Mortgage Disclosures
February 2012
Arrow Servicing Notice: Discontinuance of the National Monthly Median Cost of Funds Index
Arrow Non-Depository Financial Institutions Division's Monthly Mortgage Summary – January 2012
Arrow New HUD Final Rule:  Equal Access to Housing in HUD Programs Regardless of Sexual Orientation or Gender Identity
Arrow RD AN No. 4615: RHS Announces New SFHGLP Rural Refinance Pilot
Arrow SEL 12-01: Selling Guide Updates
Arrow Important Changes to the Mortgage Broker Annual Report
Arrow FHA’s Final Rule Regarding the Lender Insurance (LI) process
Arrow VA Extends Rescission Date on Circular 26-09-12
Arrow VA Extends Rescission Date on Circular 26-09-15
Arrow SVC 12-01: Introduction of Fannie Mae Unemployment Forbearance
 January 2012
Arrow 2012 Income Limits Published
Arrow Guarantee Up-Front and Annual Fee Calculator
Arrow VA Extends Circular 26-08-5
Arrow VA Extends Circular 26-09-4
Arrow VA Extends Circular 26-09-3
Arrow Freddie Mac Guide Bulletin 2011-26: Guarantee Fees Increase
Arrow VA Circular 26-11-22: VA Announces Final Loan Modification Regulation Revision
Arrow VA Extends Circular 26-09-8
Arrow VA Circular 26-11-21: VA Announces Appraisal Policy Changes
December 2011
Arrow SEL 11-25: Single-Family Seller/Servicer Guide Bulletin Updating Selling Requirements
Arrow Know Before You Owe: CFPB Solicits Feedback
Arrow Single Family Housing Guaranteed Loan Program
Arrow New York Issues Emergency Rule Adoption Regarding Mortgage Loan Servicers
Arrow ML 11-39: FHFA Releases 2012 Maximum Conforming Loan Limits
November 2011
Arrow VA Circular 26-11-19: Funding Fee Update
Arrow Consolidated and Further Continuing Appropriations Act 2012
Arrow Commitment Authority for Refinance Transactions
Arrow CFPB Releases Know Before You Owe Feedback Tool
Arrow ML 11-37: Extension of Implementation and Reporting Dates Regarding Trial Payment Plan for Loan Modifications and Partial Claims under FHA’s Loss Mitigation Program
October 2011
Arrow CFPB Publishes Supervision and Examination Manual Including Mortgage Servicing Examination Procedures
Arrow Rulemaking on Loan Originator Renewal Requirements
Arrow ML 11-34: Revised Lender Approval Requirements
Arrow ML 11-35: FHA Provides Clarification on Annual Mortgage Insurance Premiums
September 2011
Arrow Colorado’s Division of Real Estate Publishes Their Summer/Fall Division of Real Estate Newsletter
Arrow CFPB Releases Next Round of Consumer Disclosures with Testing Examples
Arrow ML 11-33: Mortgage Record Changes and Data Reconciliation
Arrow SEL 11-08: Suspension of PMI Mortgage Insurance Co., PMI Insurance Co., and PMI Mortgage Assurance Co. as Approved Mortgage Insurers
Arrow DU Version 8.3 August 2011 Release Implemented
Arrow ML 11-29: Federal Housing Administration’s (FHA) Maximum Loan Limits Effective October 1, 2011 through December 31, 2011
August 2011
Arrow SEL 11-07: Suspension of Republic Mortgage Insurance Company and Republic Mortgage Insurance Company of North Carolina as Approved Mortgage Insurers
Arrow Washington’s Department of Financial Institutions releases Summer Edition of their E. Newsletter
Arrow CFPB Issues Interim Final Rule on Alternative Mortgage Transaction Parity Act
Arrow ML 11-24: Annual Base City High Cost Percentage and High Cost Area Revisions for 2011
Arrow SVC 11-12: Mortgage Insurance Coverage and Confirmation of Repurchase Policies and Remedies for Warranty Violations
July 2011
Arrow Fannie Mae DU Updates Area Median Income Unit
Arrow RD AN No. 4585: RHS Clarifies SFHGLP Lender Charges and Fees
Arrow HUD Issues Final Rule Regarding Technical and Clarifying Amendments Under RESPA
Arrow LL 11-05: Participation in HUD's Emergency Homeowners' Loan Program
Arrow CFPB Releases Next Round of Consumer Disclosures
Arrow DRE Releases Its Summer 2011 Real Estate Bulletin
June 2011
Arrow Annual Adjustment of Fee-Based Trigger for Additional Mortgage Loan Disclosures
Arrow SVC 11-10: June 2011 Servicing Guide Update
Arrow ML 11-20: FHA Single Family Provides Information on the Termination of H4H Program
Arrow Agencies Release List of Distressed or Underserved Nonmetropolitan Middle-Income Geographies
Arrow CFPB Seeks Comments on Transferred Rules
Arrow OCC Proposes Rule to Implement Provisions of Dood Frank Act
Arrow SEL 11-04: Selling Guide Updates
May 2011
Arrow Reminder for FHA Lenders on Claim Remittances
Arrow Supplemental Directive 11-04: Single Point of Contact for Borrowers Required Under Making Home Affordable
Arrow ML 11-18: Elimination of FHA’s Origination Fee Cap for 203(k) Loans
Arrow Freddie Mac Bulletin No. 2011-08
Arrow SVC 11-05: Miscellaneous Servicing Policy Changes
Arrow LL 11-03: New Fannie Mae-Approved Mortgage Insurer
Arrow SVC 11-09: Announces Updates to Servicing Requirements
Arrow CFPB Releases Dodd-Frank Prototype Mortgage Disclosures on Website
April 2011
Arrow Volume 5 of RESPA Roundup released
Arrow Federal Reserve proposes rule under Regulation Z pertaining to a consumer's ability to repay a mortgage and minimum mortgage underwriting standards
Arrow Compliance Guidance for RESPA as it Applies to the Federal Reserve Board’s MLO Compensation Rules
Arrow SEL 11-03: Selling Guide Updates
Arrow Freddie Mac Bulletin No. 2011-06
Arrow FHA Single Family Updates 4155.1
Arrow FHA Single Family Updates 4155.2
Arrow DRE Releases the Spring 2011 Real Estate Bulletin
Arrow FAQs for Lenders on FHA Mortgagee Letter ML 2011-11
March 2011
Arrow HUD Launches New Blog
Arrow ML 11-11: FHA Refinance Transactions
Arrow New, Updated Resources Available to Help with UAD Transition
Arrow Federal Reserve issues final rule and seeks comment on proposed revisions to escrow account requirements for home mortgage loans
Arrow Federal Reserve seeks comment on proposed rules on risk-based pricing notices and adverse action notices
Arrow SEL 11-4: Bulletin 2011-4 (Selling and Servicing)
Arrow Federal Reserve Issues Notice of Proposed Rulemaking Regarding Adverse Action Notices under Regulation B
Arrow Federal Reserve Issues Proposed Rule and Request for Comments Regarding Lengthening the Time for Maintaining Escrow Accounts on HPMLs
Arrow SEL 11-02: Extension of the Home Affordable Refinance Program
Arrow South Carolina Mortgage Log System (SCMLS) website launched
February 2011
Arrow North Carolina Promulgates Rules Regarding Seller-Affiliate Providing Discounts or Other Thing of Value
Arrow Federal Reserve Board announces delay in finalizing of three Reg Z proposals
Arrow CFPB Launches Website
Arrow ML 11-10: FHA Single Family Introduces Annual Mortgage Insurance Premium Changes and Guidance on Case Numbers
Arrow ML 11-11: FHA Single Family Clarifies Refinance Transactions
January 2011
Arrow ML 11-04: FHA Capture of Nationwide Mortgage Licensing System and Registry (NMLS) Information
Arrow ML 11-03: Extension of Temporary Guidance for Condominium Policy
Arrow Maine Issues Compliance Guidance Regarding the Federal Reserve's Interim TIL Rule
Arrow LL 11-01R: Making Home Affordable: Further Guidance on Interactions with Hardest-Hit Fund Unemployment and Reinstatement Programs
Arrow SVC 11-01: Increase in Foreclosure Attorney Fees for the State of Maryland
November/December 2010
Arrow Federal Reserve Requests Comments on Amendments to Regulation Z
Arrow LL 10-13: 2011 General and High-Cost Area Loan Limits
Arrow Colorado's Division of Real Estate publishes their Fall 2010 Colorado Real Estate Newsletter
Arrow Georgia Department of Banking and Finance Adopts Final Rules
Arrow Selling Guide Update: SEL-2010-16
Arrow New Jersey Permits Compensation for Mortgage Solicitor or Origination Activity if Licensee Was Authorized at Time of Activity
Arrow ML 10-36: FHA Single Family Provides Combined Loan Amount Requirements
Arrow Arkansas Increases Usury Limit
Arrow RESPA Roundup - Volume 3
Arrow LL 10-15: Uniform Appraisal Dataset and Uniform Collateral Data Portal
Arrow SEL 10-10: Co-op Share Loan Documentation and Requirements for Document Custodians Update
October 2010
Arrow SEL 10-14: Appraiser Independence Requirements Announced
Arrow ML 10-35: Borrower Certification for FHA Refinance of Borrowers in Negative Equity Positions
Arrow LL 10-10: Extension to Fannie Mae's Alternative Modification™ to the Home Affordable Modification Program
Arrow CIRC. 26-10-12: Domain Name Change for the VA Home Loan Program Internet Website
Arrow Treasury and CFPB Convene Forum on Revised Mortgage Disclosure Forms
Arrow ML 10-33: FHA Connection Enhancements to Support Sponsored Third Party Originations (Sponsored Originations)
Arrow SVC 10-15: Updates to Fannie Mae's Forbearance, Income Eligibility, and Home Affordable Modification Program Requirements
Arrow SVC 10-14: Home Affordable Modification Program: Introduction of Second Lien Modification Program Introduction
Arrow ML 10-32: Revision to Policy for Partial Payment of Claims and Mortgage Modifications
September 2010
Arrow RESPA Roundup - September 2010
Arrow Dodd-Frank Designated Transfer Date Announced
Arrow SEL 10-13: Selling Guide Updates
Arrow New Appraiser Independence Requirements Being Developed
Arrow New National Housing Survey Results Released
Arrow LL 10-09: Suspension of California Housing Loan Insurance Fund
Arrow ML 10-31: Annual Base City High Cost Percentage and High Cost Area Revisions for 2010
Arrow ML 10-29: Minimum Credit Scores and Loan-to-Value Ratios
Arrow ML 10-28: Changes to FHA Mortgage Insurance Premiums
Arrow SVC 10-12: Foreclosure Time Frames and Compensatory Fees for Breach of Servicing Obligations
August 2010
Arrow Selling Notice: 2010 Area Median Incomes
Arrow Enhanced Consumer Protections and Disclosures for Home Mortgage Transactions Proposed
Arrow Final Rules Regarding Consumer Notification of Mortgage Loan Sales/Transfers Announced
Arrow Rules to Revise Escrow Account Requirements for Jumbo Mortgage Proposed
Arrow Issues Interim Rule Revising Disclosure Requirements for Closed-End Mortgages
Arrow Final Rules to Protect Borrowers from Unfair/Abusive/Deceptive Practices Arising from Loan Originator Compensation Practices
Arrow Statement by Deputy Assistant Secretary, Vicki Bott
Arrow Congress Passes H.R. 5981
Arrow Oregon Consumers: New tool to check out mortgage lenders
Arrow Fannie Mae Launches Know Your OptionsTM Online Resource to Educate Struggling Homeowners
Arrow Fee Adjusts Fee-Based Trigger for HOEPA Mortgage Loan Disclosures
Arrow Federal Agencies Issue Final Rules to Implement SAFE Act Requirements for Registration of Mortgage Loan Originators
July 2010
Arrow RESPA Roundup July 2010
Arrow July Message from the FHA Commissioner
Arrow House Passes Flood Insurance Extension
Arrow New RESPA Interpretive Rule
Arrow June Message from the FHA Commissioner
June 2010
Arrow LL 10-08: Selling Loans during Lapse of National Flood Insurance Program Authority
Arrow HUD Issues ANPR on RESPA's "Required Use"
Arrow House Passes Legislation to Help Homeowners, Reform FHA
Arrow FTC Extends Enforcement Deadline for Identity Theft Red Flags Rule
Arrow FHA Plans to Halve Seller Concessions this Summer
Arrow FHA to Expand Acceptance of Electronic Signatures
Arrow Fannie Mae Changes Criteria for Purchasing and Securitizing Adjustable-Rate Mortgages
May 2010
Arrow FNMA Publishes In The Loop Newsletter for Spring 2010
Arrow Supplemental Directive 10-04: Home Affordable Unemployment Program
Arrow Clarification Regarding Increase in GRMA $6.50 Per Loan Fees
Arrow Virginia Uniform Power of Attorney Act Enacted
April 2010
Arrow ML 10-14: Electronic Signatures On Third Party Documents
Arrow April Message from the FHA Commissioner
Arrow HUD No. 10-058: Housing Program Enhancements Offer Additional Options for Struggling Homeowners
March 2010
Arrow March Message from the FHA Commissioner
Arrow FNMA Selling Notice: Extension of the Home Affordable Refinance Program
Arrow Freddie Mac Bulletin 2010-6: Refinance Mortgage Offering Extended
Arrow SEL 10-02: FNMA Selling Guide Updates
Arrow SEL 10-01: Selling Guide Updates for the Loan Quality Initiative
Arrow ML 10-07: Revisions to Model HECM Loan Agreement and Fannie Mae Form 1009
Arrow ML 10-02: Increase in Upfront Premiums for FHA Mortgage Insurance
February 2010
Arrow FNMA Publishes In The Loop Newsletter for Jan/Feb 2010
Arrow HUD Extends Public Comment Period on Safe Act Proposed Rule to March 5, 2010
Arrow Freddie Mac Bulletin No. 2010-3: Home Affordable Modification Program
Arrow FNMA Ann. 2010-03: Home Affordable Modification Program - Program Update and Resolution of Active Trial Modifications
Arrow FNMA Ann. 2010-02: Update to Imminent Default Guidance for Mortgage Loans Evaluated
Arrow FTC Proposes Rule That Would Bar Mortgage Relief Companies From Charging Up-Front Fee
January 2010
Arrow ML 10-03: Mortgagee Approval for Single Family Programs - Extended Procedures for Terminating Underwriting Authority
Arrow ML 10-02: Increase in Upfront Premiums for FHA Mortgage Insurance
Arrow Texas DSML - Use of Unique Identifier Numbers Issued Through Enrolling in the NMLS
Arrow VA Circular 26-10-01: Impact of New RESPA Rule on Fees and Charges for VA Loans
Arrow ML 09-53: Real Estate Settlement Procedures Act (RESPA) and FHA Related Policies
Arrow California DRE New Good Faith Estimate Form
December 2009
Arrow ML 09-51: Adoption of the Appraisal Update and/or Completion Report
Arrow Freddie Mac Bulletin 2009-27
November 2009
Arrow HUD Proposes to Increase the Mortgagee Net Worth Requirement and Eliminate the Loan Correspondent Approval Requirement
Arrow ML 09-50: 2010 FHA Maximum Loan Limits
Arrow HUD Announces Four Month Restraint on RESPA Enforcement
Arrow ML 09-45: Introduction of HUD's Web-Based Training Application
October 2009
Arrow FNMA Publishes In The Loop Newsletter for October 2009
Arrow ML 09-43: HOPE for Homeowners Program - Comprehensive Guidance
Arrow FNMA Ann. 09-30: Retirement of the HomeSaver Forbearance™ and Conversion to the Payment Reduction Plan™
Arrow HUD Updates FAQs on New RESPA Rule
Arrow FNMA Selling Notice: Mortgage Loan Data Requirements - Update
Arrow ML 09-35: Loan Modifications - FHA Loss Mitigation Incentives
Arrow ML 09-34: Home Equity Conversion Mortgage (HECM) - Principal Limit Factors
Arrow Colorado DORA Publishes Real Estate Newsletter for Fall 2009
Arrow Fannie Mae Authorizes Change for Nevada Security Instrument and Multistate Notes
September 2009
Arrow Freddie Mac Bulletin No. 2009-23
Arrow ML 09-33: Annual Base City High Cost Percentage Revisions effective January 1, 2009
Arrow ML 09-32: Revised Streamline Refinance Transactions
Arrow HUD Updates FAQs on New RESPA Rule
Arrow Utah Publishes Real Estate Newsletter for September 2009
Arrow FNMA Form: Mississippi Ground Lease Renewals
Arrow FNMA Form: Louisiana Mortgage
Arrow ML 09-26: Eligibility of Projects for Mortgage Insurance where Construction has Started
Arrow ML 09-24: Housing Tax Credit Coordination Act of 2008
August 2009
Arrow FNMA Revised Home Affordable Modification Trial Period Plan, Modification Agreement, and HAMP Hardship Affidavit
Arrow HUD Announces Posting of FAQs on New RESPA Rule
Arrow FNMA Ann. 09-05R: Frequently Asked Questions - Home Affordable Modification
Arrow FNMA Ann. 09-27: Miscellaneous Servicing Policy Changes
Arrow FHA is Hosting a Free Industry Conference Call on HAMP
Arrow Notice for Housing Counseling Agencies on HAMP
Arrow ML 09-23: Making Home Affordable Program - FHA's Home Affordable Modification Loss Mitigation Option
Arrow FNMA Selling Notice: 2009 Area Median Incomes
July 2009
Arrow ML 09-21: Home Equity Conversion Mortgage Refinancing of Existing Loans
Arrow FNMA Ann. 09-25: Trial Period Guidance for the Home Affordable Modification Program
Arrow FNMA Ann. 09-24: Delivery of Higher-Priced Mortgage Loans, Revised Qualifying Rate Requirements...
Arrow FNMA Ann. 09-23: Updates to Home Affordable Refinance - 125 Percent LTV Limit for Refi Plus Loans
Arrow FNMA Ann. 09-21: Form Updates - Revisions to Forms 1003 and 1008, and New Forms 3747 and 3748
Arrow FNMA Ann. 09-20: Updates to Home Affordable Refinance Policies
June 2009
Arrow LL 05-09: New Notice of Transfer of Mortgage Loan Ownership
Arrow FNMA Ann. 09-16: Changes to Home Equity Conversion Mortgage Index Options
Arrow ML 09-19: Condominium Approval Process - Single Family Housing
Arrow ML 09-18: Energy Efficient Mortgages - Increase in the Dollar Amount of Energy Efficient
Arrow ML 09-17: Accuracy of Lender Data for FHA-approved Mortgagees
Arrow ML 09-16: Manufactured Housing Policy Guidance - Property and Underwriting Eligibility
Arrow ML 09-15: Using First-Time Homebuyer Tax Credits for the Downpayment
Arrow Colorado DORA Publishes Real Estate Newsletter for Spring 2009
May 2009
Arrow FNMA Ann. 09-13: Updates and Clarifications to Announcement 09-04
Arrow Home Valuation Code of Conduct Resources
Arrow HUD Withdraws RESPA's "Required Use" Definition
Arrow ML 09-14: Online Versions of Handbooks 4155.1 and 4155.2
Arrow Oregon DFCS Issues Proposed Administrative Rules
April 2009
Arrow California DRE Publishes Real Estate Bulletin for Spring 2009
Arrow ML 09-13: Guidance on FHA Model Mortgage Form for New Mexico
Arrow FNMA Ann. 09-05R: Home Affordable Modification Program
Arrow FNMA Ann. 09-04: Home Affordable Refinance
March 2009
Arrow HUD Delays RESPA's "Required Use" Definition and Seeks Comments
Arrow ML 09-07: Loan Limit Increases for FHA
Arrow New Hampshire Publishes Banking Department Newsletter
February 2009
Arrow Freddie Mac Issues Industry Letter: Anti-Predatory Lending Requirements
Arrow Maryland Begins Enforcement on "Higher-Priced" Mortgages
January 2009
Arrow Ohio Adopts Format Requirements for Recorded Documents
Arrow Pennsylvania Adopts Regulation on Proper Conduct of Lending and Brokering
Arrow ML 09-03: HOPE for Homeowners Origination and Servicing Guidance Supplement
Arrow ML 08-40: Refinance Transactions - New Maximum Mortgage Calculation
Nov/Dec 2008
Arrow New Jersey Increases High Cost Loan Amount
Arrow Maryland Delays Enforcement of "Higher-Priced Mortgage Loans" Regulations
Arrow ML 08-36: 2009 FHA Maximum Mortgage Limits
Arrow North Carolina Declaratory Ruling 2008-01 Concerning HB 2188 and Seller-Paid Points
October 2008
Arrow ML 08-29: HOPE for Homeowners Origination Guidance
Arrow ML 08-26: New York Consolidation, Extension, and Modification Agreement (CEMA)
Arrow Maryland Issues Proposed Regulations on Recorded Security Instruments
September 2008
Arrow ML 08-25: Converting Existing Homes to Rentals - Underwriting Instructions
Arrow ML 08-23: Revised Downpayment and Maximum Mortgage Requirements
Arrow ML 08-22: HUD Announces Moratorium on FHA Risk-Based Premiums
August 2008
Arrow New Washington DFI Mortgage Broker Examinations Information Webpage
July 2008
Arrow Board of Governors Issue Final Rule Amending Reg Z
Arrow Oregon DFCS Updates Its List of Proposed and Temporary Administrative Rules
Arrow Colorado DORA Publishes Real Estate Newsletter for Summer 2008
Arrow List of States Now Accepting NMLS Applications
Arrow Washington DFI Publishes Mortgage Broker Newsletter for Spring 2008