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Data / Federal rules / Mortgages

Federal rules on mortgages: 108 since January 2024

61 final rules and 47 proposed rules since January 8, 2024, 21 of them marked significant. 1 is open for comment now. Most come from the National Credit Union Administration (28), Rural Housing Service (22), Consumer Financial Protection Bureau (15), Federal Housing Finance Agency (11).

SpecStream is the live web data engine for teams and agents. It reads every rule and proposed rule in the Federal Register each morning, and this page is that reading. Name your industry once and new rules, comment deadlines and effective dates arrive in your sheet, CRM, Slack or agent as they are published.

Open for comment

DocumentAgencyTypeComments due
Vessel and Shipyard Financing, Regulatory Revision
2026-17636
Maritime AdministrationFinal ruleOct 27

Every document, newest first

DocumentAgencyTypePublished
Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks
2026-18766
Federal Deposit Insurance CorporationFinal ruleSep 14
Driving Efficiency in Farm Loan Delivery
2026-18164
Farm Service AgencyFinal ruleSep 4
Vessel and Shipyard Financing, Regulatory Revision
2026-17636
Maritime AdministrationFinal ruleAug 28
Limits on Loans to Other Credit Unions
2026-16035
National Credit Union AdministrationFinal ruleAug 6
Chartering and Field of Membership for Federal Credit Unions-Interpretive Ruling and Policy Statement 08-2
2026-16031
National Credit Union AdministrationFinal ruleAug 6
Purchase, Sale, and Pledge Of Eligible Obligations
2026-16030
National Credit Union AdministrationFinal ruleAug 6
Third-Party Servicing of Indirect Vehicle Loans
2026-16029
National Credit Union AdministrationFinal ruleAug 6
Chartering and Field of Membership for Federal Credit Unions-Interpretive Ruling and Policy Statement 06-1
2026-16028
National Credit Union AdministrationFinal ruleAug 6
Suretyship and Guaranty; Segregated Deposit and Collateral
2026-16027
National Credit Union AdministrationFinal ruleAug 6
Chartering and Field of Membership for Federal Credit Unions-Interpretive Ruling and Policy Statement 10-1
2026-16024
National Credit Union AdministrationFinal ruleAug 6
Credit Union Service Contracts
2026-16021
National Credit Union AdministrationFinal ruleAug 6
OCC Rules Regarding the Availability of OCC Information
2026-15867
Comptroller of the CurrencyProposed ruleAug 5
Anti-Money Laundering and Countering the Financing of Terrorism Programs
2026-13919
Federal Reserve SystemProposed ruleJul 9
Direct Multifamily Housing Subsequent Loans for Acquisition
2026-13455
Rural Housing ServiceProposed ruleJul 2
Enterprise Duty To Serve Underserved Markets
2026-12750
Federal Housing Finance AgencyProposed ruleJun 24
Preemption-Federal Credit Union Non-Interest Charges and Fees
2026-11559
National Credit Union AdministrationFinal ruleJun 9
Dependent Care and Board Member Expense Reimbursement
2026-11507
National Credit Union AdministrationFinal ruleJun 9
American Fisheries Act Program Update; Simplifying the Application Process
2026-11267
Maritime AdministrationFinal ruleJun 4
Preemption Determination: State Interest-on-Escrow Laws
2026-10037
Comptroller of the CurrencyFinal ruleMay 19
Real Estate Lending Escrow Accounts
2026-10036
Treasury DepartmentFinal ruleMay 19
Requirements for Insurance
2026-09010
National Credit Union AdministrationProposed ruleMay 7
Equal Access to Housing in HUD Programs Revisions
2026-08244 · significant
Housing and Urban Development DepartmentProposed ruleApr 28
Streamlining Regulations Concerning Public Welfare Investments, Open Market Collateralized Loan Obligations, and Federal Savings Association Nondiscrimination Requirements
2026-08143 · significant
Comptroller of the CurrencyProposed ruleApr 27
Changes Related to Insurance Requirements in Multi-Family Housing (MFH) Direct Loan and Grant Programs
2026-07618
Rural Housing ServiceFinal ruleApr 20
Single Family Housing Guaranteed Loan Program-Limited Party Concessions
2026-07617
Rural Housing ServiceProposed ruleApr 20
Revisions to the Calculation of Annual Household Income and Net Family Assets in the Section 515 Rural Rental Housing and Section 514/516 Farm Labor Housing Programs
2026-07064
Rural Housing ServiceFinal ruleApr 13
Chartering and Field of Membership
2026-06757
National Credit Union AdministrationProposed ruleApr 8
Single Family Housing Guaranteed Loan Program-Income Producing Accessory Dwelling Unit (ADU) Provisions
2026-06173 · significant
Rural Housing ServiceProposed ruleMar 31
Regulatory Capital Rule: Category I and II Banking Organizations, Banking Organizations With Significant Trading Activity, and Optional Adoption for Other Banking Organizations
2026-05959 · significant
Federal Deposit Insurance CorporationProposed ruleMar 27
Third-Party Servicing of Indirect Vehicle Loans
2026-05797
National Credit Union AdministrationProposed ruleMar 25
Single Family Housing Guaranteed Loan Program
2026-05387 · significant
Rural Housing ServiceFinal ruleMar 19
Amendment Reinstating “Grandfather” Exceptions to Restrictions on Private Transfer Fee Covenants
2026-05160
Federal Housing Finance AgencyFinal ruleMar 17
Fair Housing Home Loan Data System
2026-04276
Comptroller of the CurrencyFinal ruleMar 4
Revocation of the 30-Day Notification Requirement Prior To Termination of Lease for Nonpayment of Rent
2026-03921 · significant
Housing and Urban Development DepartmentFinal ruleFeb 26
Statutory Liens
2026-03758
National Credit Union AdministrationProposed ruleFeb 25
Credit Union Service Contracts
2026-03757
National Credit Union AdministrationProposed ruleFeb 25
Refund of Interest
2026-03756
National Credit Union AdministrationProposed ruleFeb 25
Purchase, Sale, and Pledge of Eligible Obligations
2026-03755
National Credit Union AdministrationProposed ruleFeb 25
Compensation in Connection With Loans to Members and Lines of Credit to Members
2026-03754
National Credit Union AdministrationProposed ruleFeb 25
Post-Election Training for New Board Members
2026-03753
National Credit Union AdministrationProposed ruleFeb 25
Rescinding 30-Day Notification Requirements Related to Eviction Based on Nonpayment of Rent in Multi-Family Housing Direct Properties
2026-03716
Rural Housing ServiceFinal ruleFeb 25
Chartering and Field of Membership for Federal Credit Unions-Interpretive Rulings and Policy Statements
2026-02765
National Credit Union AdministrationProposed ruleFeb 11
Fair Lending, Fair Housing, and Equitable Housing Finance Plans
2026-02325 · significant
Federal Housing Finance AgencyFinal ruleFeb 6
Public Unit and Nonmember Shares
2026-01696
National Credit Union AdministrationProposed ruleJan 28
Dependent Care and Board Member Expense Reimbursement
2026-01382
National Credit Union AdministrationProposed ruleJan 26
Chartering and Field of Membership for Federal Credit Unions-Interpretive Rulings and Policy Statements
2026-00594
National Credit Union AdministrationProposed ruleJan 14
Chartering and Field of Membership for Federal Credit Unions-Interpretive Rulings and Policy Statements
2026-00592
National Credit Union AdministrationProposed ruleJan 14
Nondiscrimination Requirements
2026-00591
National Credit Union AdministrationProposed ruleJan 14
HUD's Implementation of the Fair Housing Act's Disparate Impact Standard
2026-00590 · significant
Housing and Urban Development DepartmentProposed ruleJan 14
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
2026-00087
Consumer Financial Protection BureauFinal ruleJan 7
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
2026-00085
Consumer Financial Protection BureauFinal ruleJan 7
Real Estate Lending Escrow Accounts
2025-23988
Comptroller of the CurrencyProposed ruleDec 30, 2025
Preemption Determination: State Interest-on-Escrow Laws
2025-23987
Comptroller of the CurrencyProposed ruleDec 30, 2025
Suretyship and Guaranty; Segregated Deposit and Collateral
2025-23857
National Credit Union AdministrationProposed ruleDec 29, 2025
Limits on Loans to Other Credit Unions
2025-23855
National Credit Union AdministrationProposed ruleDec 29, 2025
2026-2028 Enterprise Housing Goals
2025-23746
Federal Housing Finance AgencyFinal ruleDec 23, 2025
Policy Statement on Section 9(13) of the Federal Reserve Act
2025-23548
Federal Reserve SystemFinal ruleDec 22, 2025
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
2025-22875
Consumer Financial Protection BureauFinal ruleDec 16, 2025
Truth in Lending (Regulation Z)
2025-22814
Consumer Financial Protection BureauFinal ruleDec 15, 2025
Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
2025-22773
Consumer Financial Protection BureauFinal ruleDec 15, 2025
Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
2025-21626 · significant
Federal Deposit Insurance CorporationFinal ruleDec 1, 2025
Fair Housing Home Loan Data System
2025-20202
Comptroller of the CurrencyProposed ruleNov 18, 2025
2026-2028 Enterprise Housing Goals
2025-19428
Federal Housing Finance AgencyProposed ruleOct 2, 2025
Fair Lending, Fair Housing, and Equitable Housing Finance Plans
2025-14183 · significant
Federal Housing Finance AgencyProposed ruleJul 28, 2025
Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
2025-12787 · significant
Federal Deposit Insurance CorporationProposed ruleJul 10, 2025
Deregulatory-American Fisheries Act Program Update; Simplifying the Application Process
2025-12087
Maritime AdministrationProposed ruleJul 1, 2025
Revisions to the Calculation of Annual Household Income and Net Family Assets in the Section 515 Rural Rental Housing and Section 514/516 Farm Labor Housing Programs
2025-10306
Rural Housing ServiceProposed ruleJun 30, 2025
Multifamily Housing Guaranteed Rural Rental Housing Program Requirement To Submit a Market Study
2025-10305
Rural Housing ServiceProposed ruleJun 30, 2025
Adjustment of Civil Monetary Penalty Amounts for 2025
2025-10519
Housing and Urban Development DepartmentFinal ruleJun 12, 2025
Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X; Rescission
2025-08643
Consumer Financial Protection BureauFinal ruleMay 16, 2025
Residential Property Assessed Clean Energy Financing (Regulation Z)
2024-30628
Consumer Financial Protection BureauFinal ruleJan 10, 2025
Updating Manufactured Housing Provisions
2024-30270
Rural Housing ServiceFinal ruleJan 3, 2025
Multifamily Housing Program Update to the Credit Report Process
2024-31388
Rural Housing ServiceFinal ruleDec 31, 2024
2025-2027 Enterprise Housing Goals
2024-30793 · significant
Federal Housing Finance AgencyFinal ruleDec 30, 2024
Revisions to Civil Penalty Amounts, 2025
2024-30608
National Highway Traffic Safety AdministrationFinal ruleDec 30, 2024
Overdraft Lending: Very Large Financial Institutions
2024-29699
Consumer Financial Protection BureauFinal ruleDec 30, 2024
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
2024-30653
Consumer Financial Protection BureauFinal ruleDec 23, 2024
Revisions to the Smoke Alarm Requirements in the Section 515 Rural Rental Housing and Section 514/516 Farm Labor Housing Direct Loan Programs
2024-30216
Rural Housing ServiceFinal ruleDec 19, 2024
30-Day Notification Requirement Prior To Termination of Lease for Nonpayment of Rent
2024-28861 · significant
Housing and Urban Development DepartmentFinal ruleDec 13, 2024
Federal Housing Administration (FHA): Single Family Sale Program
2024-28706
Housing and Urban Development DepartmentFinal ruleDec 11, 2024
Multi-Family Housing and Community Facilities Updates to Federal Financial Assistance Guidance
2024-28168
Rural Housing ServiceFinal ruleDec 6, 2024
Appraisal Subcommittee Enforcement Authority Regarding the Effectiveness of State Appraiser and Appraisal Management Company Regulatory Programs
2024-27698
Federal Financial Institutions Examination CouncilProposed ruleDec 6, 2024
Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
2024-27553
Consumer Financial Protection BureauFinal ruleDec 2, 2024
Clarification on the Requirement To Record the Guaranteed Rural Rental Housing Program Deed Restriction
2024-25713
Rural Housing ServiceProposed ruleNov 5, 2024
Updates to the Off-Farm Labor Housing (Off-FLH), Loan and Grant Rates and Terms; Clarification of Grant Agreement Terms
2024-24742
Rural Housing ServiceFinal ruleOct 25, 2024
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
2024-23277
Consumer Financial Protection BureauFinal ruleOct 15, 2024
Truth in Lending (Regulation Z)
2024-23275
Consumer Financial Protection BureauFinal ruleOct 15, 2024
Single Family Housing Guaranteed Loan Program
2024-21404
Rural Housing ServiceProposed ruleSep 19, 2024
2025-2027 Enterprise Housing Goals
2024-19261 · significant
Federal Housing Finance AgencyProposed ruleAug 29, 2024
Anti-Money Laundering Regulations for Residential Real Estate Transfers
2024-19198 · significant
Financial Crimes Enforcement NetworkFinal ruleAug 29, 2024
Single Family Housing Guaranteed Loan Program Changes Related to Special Servicing Options
2024-18291
Rural Housing ServiceFinal ruleAug 15, 2024
Anti-Money Laundering and Countering the Financing of Terrorism Program Requirements
2024-16546
National Credit Union AdministrationProposed ruleAug 9, 2024
Quality Control Standards for Automated Valuation Models
2024-16197
Federal Housing Finance AgencyFinal ruleAug 7, 2024
Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties; Regulation X
2024-15475 · significant
Consumer Financial Protection BureauProposed ruleJul 24, 2024
Federal Housing Administration (FHA): Single Family Sale Program
2024-15024
Housing and Urban Development DepartmentProposed ruleJul 16, 2024
Fair Lending, Fair Housing, and Equitable Housing Finance Plans
2024-09559 · significant
Federal Housing Finance AgencyFinal ruleMay 16, 2024
Expanding the Fair Housing Testing Pool for FHIP and FHAP Funded Entities
2024-06977 · significant
Housing and Urban Development DepartmentFinal ruleApr 3, 2024
Multifamily Housing Program Update to the Credit Report Process
2024-06596
Rural Housing ServiceProposed ruleMar 29, 2024
30-Day Notification of Nonpayment of Rent in Multi-Family Housing Direct Loan Programs
2024-06245 · significant
Rural Housing ServiceFinal ruleMar 25, 2024
Section 538 Guaranteed Rural Rental Housing Program Change in Priority Projects Criteria
2024-05756
Rural Housing ServiceFinal ruleMar 19, 2024
Changes Related to Reserve Account Administration in Multi-Family Housing (MFH) Direct Loan Programs
2024-05571
Rural Housing ServiceFinal ruleMar 18, 2024
Credit Card Penalty Fees (Regulation Z)
2024-05011
Consumer Financial Protection BureauFinal ruleMar 15, 2024
Exception to Restrictions on Private Transfer Fee Covenants for Loans Meeting Certain Duty To Serve Shared Equity Loan Program Requirements
2024-05194 · significant
Federal Housing Finance AgencyFinal ruleMar 12, 2024
Rent Adjustments in the Mark-to-Market Program
2024-04081
Housing and Urban Development DepartmentFinal ruleFeb 28, 2024
Adjustment of Civil Monetary Penalty Amounts for 2024
2024-03736
Housing and Urban Development DepartmentFinal ruleFeb 23, 2024
Overdraft Lending: Very Large Financial Institutions
2024-01095
Consumer Financial Protection BureauProposed ruleFeb 23, 2024
Anti-Money Laundering Regulations for Residential Real Estate Transfers
2024-02565 · significant
Financial Crimes Enforcement NetworkProposed ruleFeb 16, 2024
Revisions to the Smoke Alarm Requirements in the Section 515 Rural Rental Housing and Section 514/516 Farm Labor Housing Direct Loan Programs
2024-00073
Rural Housing ServiceProposed ruleJan 8, 2024

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Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.