How to Manage Loan Debt Effectively in 2026

Sec. 3. Modernization of Home Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB will consider, as proper and constant with suitable law, proposing amendments to Guideline C to raise the property threshold for exemption from HMDA information collection and reporting requirements for smaller sized banks, to leave out questions from the scope of HMDA, and to ensure that disclosures secure privacy and reduce concerns, including insufficiently customized, expensive, and complex software and training required for reporting financial institutions.

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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 Real Estate Finance Firm (FHFA) shall consider, as appropriate and consistent with relevant law: (i) modifying capital guidelines, consistent with suitable risk-management requirements, to tailor risk weights for all banks, including neighborhood banks and other smaller sized banks, for portfolio home mortgages, maintenance rights, and storage facility credit lines to the product credit risk of the direct exposure; (ii) updating security evaluation and transfer systems in between the Federal Reserve and Federal Home Loan Banks (FHLBs); (iii) broadening access to longerdated FHLB advances connected to domestic mortgage possessions; (iv) producing targeted FHLB liquidity programs for entrylevel real estate, owneroccupied purchase loans, and little residential contractors; (v) speeding up collateral boarding and valuation processes through standardized data and digital documentation; and (vi) refocusing the FHLBs' Cost Effective Housing Program on faster-cycle execution and higher monetary leverage for small-scale and owner-occupied real estate jobs.

(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 companies, shall submit a report to the Assistant to the President for Economic Policy and the Director of the Workplace of Management and Budget plan on the efficiency of nationwide housing finance markets.

Immediate Housing Help to Protect Your Home

Sec. 5. Building And Construction 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, will think about, as suitable and consistent with applicable law, modifying supervisory assistance both to leave out one-to four-family property advancement and building and construction loaning from industrial property concentration assistance and to guarantee supervisory expectations support responsible building financing by neighborhood 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 consider, as proper and constant with relevant law and their statutory authorities: (i) updating appraisal regulations and assistance to broaden using alternative valuation models, desktop and hybrid appraisals, and expert system appraisal tools; (ii) simplifying appraiser certification requirements; and (iii) minimizing appraisal requirements for low-risk transactions, including low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

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

8. Servicing 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 will consider, as proper and consistent with appropriate law: (i) lining up 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 rule offering exemptions from complex home mortgage services for smaller banks; and (ii) ensuring that supervisory evaluations of carrying out, prudently underwritten portfolio loans do not concentrate on technical problems or rely on evolving supervisory interpretations.

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 consider, as appropriate and consistent with relevant law, promulgating a policy versus enforcement actions for violations of customer monetary laws that: (i) discourages enforcing civil financial charges, except where the underlying offenses are willful, knowing, or careless; (ii) thinks about great business conduct, consisting of a bank's correction of good-faith, technical compliance mistakes; and (iii) allows organizations an affordable opportunity for self-identification and remediation of appropriate compliance matters.