Removing Barriers Blog


  • Housing 

Keeping member credit unions and leagues current on what and why we are doing for advocacy efforts including legislative, regulatory and state governmental affairs.
Posted January 22, 2017 by CUNA Advocacy
On the night of the Inauguration the Trump Administration issued a regulatory freeze in a memo from Chief of Staff Reince Priebus to the heads of Executive departments and agencies.
Posted January 09, 2017 by CUNA Advocacy

Exemption threshold for HMDA will remain at $44 million

Posted January 04, 2017 by CUNA Advocacy

CUNA filed a letter with NCUA on an interagency proposal to amend regulations regarding loans in areas having special flood hazards to implement the private flood insurance provisions of the Biggert-Waters Flood Insurance Reform Act of 2012.

Posted December 12, 2016 by Ryan Donovan
A look at our advocacy accomplishments for 2016 and the opportunities that exist in 2017.
Posted December 12, 2016 by CUNA Advocacy

Here are some highlights from the past year. 

Posted November 28, 2016 by CUNA Advocacy

CUNA filed its comment letter supporting the proposed rule implementing changes to the current FHLB rule. 

Posted October 13, 2016 by CUNA Advocacy

CFPB approves FHFA as a conservator for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association. 

Posted August 30, 2016 by CUNA Advocacy
We are seeking comments on the CFPB's proposed changes to its TILA/RESPA Integrated Discolsure (TRID) mortgage rule.
Posted August 24, 2016 by CUNA Advocacy

The CFPB creates a page to help navigate the changes from the Know Before You Owe initiative.

Posted August 02, 2016 by CUNA Advocacy
This week, the FHFA accepted our concerns regarding language preference on the Uniform Residential Loan Application (URLA)
Posted August 01, 2016 by CUNA Advocacy
Although the Bureau was initially hesitant to make changes to the recent TRID rule, we are happy that our requests have led to the release of these proposed fixes.
Posted July 21, 2016 by CUNA Advocacy
Our letter to Director Cordray included many suggestions on how the Bureau could tailor its regulations away from credit unions and towards the actual abusers of consumers.
Posted July 17, 2016 by CUNA Advocacy
CUNA's views on the Financial CHOICE Act.
Posted July 14, 2016 by CUNA Advocacy
One of the ways to move legislation through Congress is on appropriations bills, two of which currently contain regulatory relief language favorable to credit unions.
Posted July 13, 2016 by CUNA Advocacy
The letter raised concerns about possible ECOA and UDAAP issues arising from FHFA's recent proposal.
Posted June 20, 2016 by CUNA Advocacy
The package includes many separate bills that we have supported in the past, and focuses mostly on reducing regulatory burden.
Posted June 17, 2016 by CUNA Advocacy
As several states expand these clean energy loan programs, credit unions and other lenders find themselves facing lien issues.
Posted June 14, 2016 by CUNA Advocacy

The Bureau re-affirmed its commitment to publishing proposed fixes to the large and cumbersome TRID rule by late July. 

Posted May 24, 2016 by CUNA Advocacy
Two CFPB staff who helped draft the expansion of the rural designation will answer questions during this half-hour briefing.
Posted May 03, 2016 by CUNA Advocacy
This final rule amends aspects of the program related to lender indemnification, refinancing, and qualified mortgage requirements.
Posted April 29, 2016 by CUNA Advocacy
This bill would prohibit the use of guarantee fees to offset unrelated federal spending.
Posted April 28, 2016 by CUNA Advocacy
Director Cordray acknowledged the difficulties with the recent TRID rule, and announced that the CFPB will begin the process of amending it.
Posted April 26, 2016 by CUNA Advocacy
We stressed that credit unions should have equal access to partner with the FHFA and the government-sponsored enterprises (GSE) as they craft regulations and pilot programs.
Posted April 22, 2016 by CUNA Advocacy
Our letter thanked the Bureau for properly implementing Congress’s intention to expand the pool of small creditors that will be eligible for exemptions from new mortgage rules.
Posted April 21, 2016 by CUNA Advocacy
This legislation would delay the implementation of the CFPB's HMDA rule until the GAO has studied the impact of these increased data points, and ensured that consumer data remains secure.
Posted April 04, 2016 by CUNA Advocacy
This jointly filed brief urges the Supreme Court to overturn the appellate court's ruling in City of Miami v. Bank of America, which would vastly widen the potential for lawsuits under the Fair Housing Act.
Posted March 23, 2016 by CUNA Advocacy
This latest piece of regulatory relief from CFPB was achieved in no small part due to our comprehensive legislative and regulatory advocacy.
Posted March 17, 2016 by CUNA Advocacy
Our letter express our view that FHFA's oversight role of Fannie/Freddie is to enable and maximize the purchasing and guaranteeing of private market loans.
Posted March 03, 2016 by CUNA Advocacy
This rulemaking was required under the transportation bill signed into law last December, and clarifies the process for rural institutions to attain regulatory relief.