Department of Labor and the Fair Labor Standards Act
Fair Housing Act (FHA)
Mortgage Disclosure Improvement Act (MDIA)
Regulation C (HMDA)
Risk Retention
S.A.F.E. Rule (HERA)
Dodd-Frank Act developments are tagged .

Department of Labor and the Fair Labor Standards Act

• ABA files amicus brief in Henry v. Quicken Loans, December 13, 2010
• Department of Labor amicus brief curiae filing in the case Henry v. Quicken Loans, December 9, 2010
• ABA Expresses Concerns About Mortgage Loan Officers Administrative Exemption, May 19, 2010
• DOL Interpretation: Mortgage Loan Officers Not 'Exempt' Employees, March 24, 2010

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Fair Housing Act (FHA)

• Comments Concerning Proposed Rulemaking On The "Discriminatory Effects Standard" of the Fair Housing Act, January 17, 2012

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Mortgage Disclosure Improvement Act (MDIA)

• FRB: Revised Interim Final Regulation Implementing Provisions in the Mortgage Disclosure Improvement Act

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Regulation C (Home Mortgage Disclosure Act)

• ABA Topics page on Home Mortgage Disclosure Act (HMDA) 
• 2009 HMDA Data Now Available, September 20, 2010
• FFIEC Releases 2008 HMDA Data,  September 30, 2009
• Federal Reserve Issues Draft Bulleting Article on 2008 HMDA Data
• HMDA Final Rule, October 24, 2008
• ABA/Inter-industry Comments to FRB, August 29, 2008
• Updated guidebook "HMDA: Getting It Right for 2009"

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Risk Retention

•  Letter to CFPB on Alternative Mortgage Transaction Parity (Reg D), September 22, 2011
• ABA Comments Suggest Regulatory Relief Actions to the CFPB, September 16, 2011
  ABA Comment Letter on Proposal to Establish Credit Risk Retention Requirements, August 1, 2011
• Davidson Memo:  Assessing the Credit Profile of Proposed Qualifying Residential Mortgages, May 2011
• ABA, Coalition, Lawmakers Seek Revisions in QRM Proposal, June 22, 2011
• White Paper:  Proposed QRM Harms Creditworthy Borrowers While Frustrating Housing Recovery, June 22, 2011
• Agencies Extend Comment Period on Risk Retention Proposed Rulemaking, June 6, 2011
• Members of House Sent Letter Urging Regulators to Modify Risk Retention Proposal, May 31, 2011  
• Agencies Publish Risk-Retention Proposal, March 29, 2011
• ABA Comments on Risk Retention Provisions For Qualified Residential Mortgages, January 12, 2011

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S.A.F.E. Rule (Housing and Economic Recovery Act of 2008)

• Agencies Announce Start of Initial Registration Period under MLO Provisions, January 31, 2011
  The OCC, Federal Reserve Board, FDIC, OTS, FCA, and NCUA (the Agencies) are issuing a notice announcing that the initial registration period for Federal registrations required by the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act) is now open and will run from January 31,2011 through July 29, 2011. Following expiration of the 180-day initial registration period on July 29, 2011, any employee of an agency-regulated institution who is subject to the registration requirements will be prohibited from originating residential mortgage loans without first meeting these requirements. For questions, contact ABA's Rod Alba.
• ABA Letter on State Regulatory Registry Board's proposal to set fees in accordance with the SAFE Act, November 12, 2010
• ABA Staff Analysis: Secure and Fair Enforcement for Mortgage Licensing Act , September 2010
• Agencies Adopt Rule Implementing Mortgage-Originators Registration System, July 28, 2010
• Joint Comments on Licensing State Standards, March 5, 2010 
• FDIC Board of Directors has approved draft final rules implementing the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act)  The rule has been posted on the FDIC's Web site, but will not be published in the Federal Register until the other agencies (OCC, OTS, FRB, FCA, NCUA) involved in this rulemaking complete their review and approval of the rule. 
• Joint Notice of Proposed Rulemaking: Registration of Mortgage Loan Originators, June 9, 2009
• ABA Comments on Proposed Rule — Registration of Mortgage Loan Originators to Implement the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), July 9, 2009

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Questions? Please contact Rod Alba for more information.