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	<url>
		<loc>https://mortgagecompliance.law/archives/district-courts-opinion-expands-standing-and-liability-under-section-1692e-of-the-fdcpa/</loc>
		<lastmod>2017-05-04T16:07:50+00:00</lastmod>
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		<loc>https://mortgagecompliance.law/archives/cfpb-proposes-clarifying-amendments-to-the-october-2015-hmda-final-rule/</loc>
		<lastmod>2017-05-04T16:08:30+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/u-s-supreme-court-holds-that-cities-can-bring-a-claim-under-fha-for-lenders-discriminatory-practices/</loc>
		<lastmod>2017-05-04T16:08:52+00:00</lastmod>
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		<loc>https://mortgagecompliance.law/archives/195/</loc>
		<lastmod>2017-05-04T17:28:36+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/launch-of-our-new-website-mortgagecompliance-law/</loc>
		<lastmod>2017-05-04T17:29:03+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/oigs-audit-recommends-hud-ensure-mortgagees-properly-processed-voluntary-terminations-fha-insurance-disclosed-implications-terminations-borrowers/</loc>
		<lastmod>2017-05-26T15:14:38+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/mortgagecompliance-law-launches-new-toolkits-portal/</loc>
		<lastmod>2017-06-09T22:29:29+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/new-tool-fair-lending-compliance-risk-assessment-checklist/</loc>
		<lastmod>2017-06-12T19:25:16+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/u-s-supreme-court-provides-needed-relief-mortgage-investors-fdcpa-claims/</loc>
		<lastmod>2017-06-16T21:43:05+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/treasury-report-identifies-regulatory-changes-necessary-simulate-mortgage-industry-expand-credit-availability-consumers/</loc>
		<lastmod>2017-06-20T21:02:21+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-issues-policy-guidance-concerning-2016-mortgage-servicing-rule/</loc>
		<lastmod>2017-06-29T17:24:48+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-issues-trid-rule-amendment-but-delays-resolution-of-black-hole-concern/</loc>
		<lastmod>2017-07-20T14:47:23+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-proposes-new-amendment-to-trid-rule-to-fix-the-black-hole-concern/</loc>
		<lastmod>2017-07-21T00:46:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-proposes-to-temporarily-increase-the-threshold-triggering-heloc-reporting-under-hmda/</loc>
		<lastmod>2017-07-21T15:30:20+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/fdic-updates-affordable-mortgage-lending-guide-information-state-housing-finance-agencies/</loc>
		<lastmod>2017-07-27T15:15:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpbs-new-web-form-regulatory-inquiries/</loc>
		<lastmod>2017-08-17T15:11:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-issues-a-new-rule-temporarily-increasing-the-threshold-triggering-heloc-reporting-under-hmda/</loc>
		<lastmod>2017-08-24T22:28:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-issues-a-new-rule-providing-flexibility-in-collecting-ecoa-government-monitoring-information/</loc>
		<lastmod>2017-09-21T22:03:07+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-proposes-replace-single-billing-cycle-exemption-single-statement-exemption-ease-timing-requirement-servicers-connection-consumers-bankruptcy-cases/</loc>
		<lastmod>2017-10-09T17:28:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-expands-the-timeframe-to-provide-subsequent-early-intervention-notice-to-borrowers-who-requested-cease-communication-under-the-fdcpa/</loc>
		<lastmod>2017-10-09T17:53:14+00:00</lastmod>
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	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-makes-new-hmda-platform-available-testing-prior-start-hmda-filing-season/</loc>
		<lastmod>2017-10-24T18:08:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/idfpr-amends-regulations-implementing-the-illinois-residential-mortgage-license-act-of-1987/</loc>
		<lastmod>2017-10-24T18:10:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/fdic-issues-a-statement-concerning-banks-good-faith-hmda-compliance-efforts/</loc>
		<lastmod>2017-12-22T18:07:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-will-not-assess-penalties-related-2018-hmda-data-errors/</loc>
		<lastmod>2018-01-08T16:49:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/in-re-phh-saga-en-banc-dc-court-of-appeals-restores-favorable-respa-decision-but-holds-the-cfpb-structure-is-constitutional/</loc>
		<lastmod>2018-02-01T22:23:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-issues-a-final-rule-replacing-the-single-billing-cycle-exemption-with-a-single-statement-exemption-easing-timing-requirement-for-servicers-in-connection-with-consumers-bankruptcy-cases/</loc>
		<lastmod>2018-03-12T20:20:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/the-cfpb-finally-closes-the-trid-rules-black-hole/</loc>
		<lastmod>2018-05-29T15:44:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/congress-passes-a-mixed-bag-of-mortgage-industry-regulatory-relief-and-consumer-protection/</loc>
		<lastmod>2018-05-29T15:47:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/illinois-amends-its-mortgage-licensing-act-to-exempt-independent-loan-processing-entities-from-licensing-requirement-although-requiring-registration-through-the-nmls/</loc>
		<lastmod>2018-05-31T23:17:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-issues-final-rule-implementing-the-glbas-annual-privacy-notice-exception/</loc>
		<lastmod>2018-08-15T22:40:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/interagency-statement-clarifies-that-supervisory-guidance-has-no-force-of-law/</loc>
		<lastmod>2018-09-25T23:57:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/noonan-lieberman-webinar-update-on-ada-website-accessibility-and-litigation-trend-alert/</loc>
		<lastmod>2018-12-05T19:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/ninth-circuit-revives-borrowers-action-to-equitable-enforce-recession-under-tila-by-applying-state-contract-law-statute-of-limitation/</loc>
		<lastmod>2019-01-10T23:52:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/seventh-circuit-explains-attorneys-fees-do-not-satisfy-the-requisite-actual-damage-element-for-a-respa-claim/</loc>
		<lastmod>2019-01-14T17:37:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/csbs-releases-its-fintech-industry-advisory-panel-recommendations-for-streamlining-state-nonbank-supervision/</loc>
		<lastmod>2019-03-01T18:18:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-changes-its-policy-on-civil-investigative-demands-and-will-now-provide-specific-basis-for-its-investigations/</loc>
		<lastmod>2019-04-26T17:05:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-issues-a-factsheet-on-the-applicability-of-the-trid-rule-to-assumptions/</loc>
		<lastmod>2019-05-02T18:01:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/399/</loc>
		<lastmod>2020-02-07T21:03:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/the-cfpb-issues-trid-rule-faqs-on-selected-topics/</loc>
		<lastmod>2020-02-26T22:22:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/idaho-amends-mortgage-practices-laws-impacting-servicers/</loc>
		<lastmod>2020-03-26T19:07:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/financial-regulators-issue-a-statement-on-loan-modifications-and-reporting-when-working-with-borrowers-affected-by-the-coronavirus/</loc>
		<lastmod>2020-03-26T19:09:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/agencies-provide-regulatory-flexibility-to-servicers-on-mortgage-loss-mitigation-and-servicing-rule-practices-in-response-to-covid-19-and-the-cares-act/</loc>
		<lastmod>2020-04-14T15:47:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-finalizes-hmda-coverage-thresholds/</loc>
		<lastmod>2020-04-21T16:18:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-issues-faqs-on-msas-and-on-gifts-and-promotional-activity-under-section-8-of-respa/</loc>
		<lastmod>2020-10-12T14:04:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/occ-issues-a-final-rule-to-counteract-the-madden-decision/</loc>
		<lastmod>2020-10-28T14:52:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/hud-issues-final-disparate-impact-rule-under-the-fair-housing-act/</loc>
		<lastmod>2020-10-28T14:54:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-extends-the-temporary-gse-qm-loan-category/</loc>
		<lastmod>2020-10-28T14:56:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/federal-financial-regulatory-agencies-issued-proposed-rule-on-the-role-of-supervisory-guidance/</loc>
		<lastmod>2020-10-29T19:51:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/ready-to-comply-with-the-amended-qm-rule-see-whats-new-in-the-december-2020-qm-rule-amendments/</loc>
		<lastmod>2021-02-04T14:30:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/the-cfpb-proposes-to-delay-the-mandatory-compliance-date-of-the-amendments-to-the-general-qm-rule/</loc>
		<lastmod>2021-03-04T16:22:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-clarifies-that-ecoa-prohibits-discrimination-based-on-sexual-orientation-and-gender-identity/</loc>
		<lastmod>2021-03-09T21:21:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/new-illinois-law-prescribes-cra-obligations-for-non-depository-mortgage-lenders/</loc>
		<lastmod>2021-03-30T22:22:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-proposes-servicing-rule-changes-to-avert-covid-19-foreclosures/</loc>
		<lastmod>2021-04-05T19:49:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/cfpb-delays-the-amended-general-qm-rule-mandatory-compliance-date-to-october-1-2022/</loc>
		<lastmod>2021-04-30T14:22:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/new-covid-servicing-provides-an-easy-path-to-streamlined-loan-modifications-and-may-delay-covid-related-foreclosures-until-january-2022/</loc>
		<lastmod>2021-07-01T16:12:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://mortgagecompliance.law/archives/congress-enacts-the-libor-act-providing-transition-plans-and-safe-harbor/</loc>
		<lastmod>2022-04-11T17:41:54+00:00</lastmod>
	</url>
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