Effective Debt Planning Strategies in 2026

Sec. 3. Modernization of Home Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB will consider, as suitable and constant with relevant law, proposing changes to Guideline C to raise the possession limit for exemption from HMDA information collection and reporting requirements for smaller banks, to exclude inquiries from the scope of HMDA, and to guarantee that disclosures protect personal privacy and minimize problems, including insufficiently tailored, expensive, and complex software and training required for reporting banks.

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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 Firm (FHFA) shall consider, as suitable and constant with suitable law: (i) modifying capital regulations, consistent with proper risk-management requirements, to tailor threat weights for all banks, including neighborhood banks and other smaller sized banks, for portfolio home loans, maintenance rights, and warehouse lines of credit to the product credit risk of the direct exposure; (ii) updating collateral assessment and transfer systems between the Federal Reserve and Federal Home Loan Banks (FHLBs); (iii) expanding access to longerdated FHLB advances tied to domestic home loan assets; (iv) creating targeted FHLB liquidity programs for entrylevel housing, owneroccupied purchase loans, and little residential contractors; (v) accelerating security boarding and valuation processes through standardized data and digital documents; and (vi) refocusing the FHLBs' Inexpensive Housing Program on faster-cycle execution and higher monetary utilize 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 pertinent executive departments and agencies, shall submit a report to the Assistant to the President for Economic Policy and the Director of the Office of Management and Budget plan on the performance of national housing finance markets.

Securing New Home Assistance Today

Sec. 5. Construction and Real Estate Supply. (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, shall consider, as proper and constant with applicable law, modifying supervisory assistance both to exclude one-to four-family domestic advancement and building and construction lending from industrial real estate concentration assistance and to guarantee supervisory expectations support accountable building lending 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 shall think about, as appropriate and constant with relevant law and their statutory authorities: (i) updating appraisal regulations and guidance to expand making use of alternative assessment designs, desktop and hybrid appraisals, and expert system assessment tools; (ii) simplifying appraiser qualification requirements; and (iii) reducing appraisal requirements for low-risk deals, consisting of low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Digital Home Mortgage Modernization. (a) The Secretary of Agriculture, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA will think about, as suitable and constant with relevant law: (i) getting rid of unnecessary wetsignature requirements for disclosures, applications, closing documents, and similar documents; (ii) standardizing acceptance of electronic signatures, e-notes, and remote online notarization; and (iii) promoting digital home mortgage requirements.

8. Maintenance and Supervisory Certainty. (a) The Secretary of HUD, 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 constant with appropriate law: (i) aligning supervisory expectations to support portfolio home mortgage servicing as a core community banking function; extending curefirst requirements to goodfaith servicing errors; simplifying loss mitigation requirements; and issuing a proposed guideline providing exemptions from intricate home loan services for smaller sized banks; and (ii) making sure that supervisory examinations of performing, wisely underwritten portfolio loans do not concentrate on technical defects or count on progressing 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 shall think about, as appropriate and consistent with applicable law, promoting a policy against enforcement actions for offenses of consumer monetary laws that: (i) prevents enforcing civil financial charges, other than where the underlying infractions are willful, knowing, or negligent; (ii) considers good business conduct, including a bank's correction of good-faith, technical compliance errors; and (iii) permits institutions a reasonable chance for self-identification and remediation of proper compliance matters.