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ARTICLE · 07 APRIL 2026

Mortgage Origination And Servicing

Goodwin Procter LLP
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In 2025, the mortgage market saw federal enforcement efforts decrease as the Consumer Financial Protection Bureau (CFPB) shifted priorities away from subject areas like fair lending.

United StatesFinance and Banking
Goodwin Procter LLP
Goodwin Procter LLP

Looking Ahead to 2026

In 2025, the mortgage market saw federal enforcement efforts decrease as the Consumer Financial Protection Bureau (CFPB) shifted priorities away from subject areas like fair lending. The CFPB’s internal restructuring — marked by sweeping staff reductions and an April 2025 internal memo announcing new enforcement priorities — effectively paused large-scale supervisory activity. The CFPB also terminated or allowed mortgage-related consent orders to expire early, reduced litigation activity by transferring enforcement lawsuits to the U.S. Department of Justice (DOJ), and proposed limiting Regulation B to eliminate disparate-impact liability claims under the Equal Credit Opportunity Act (ECOA).

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