Mortgage Industry Update 2026: What Changed, What Didn't, and What Examiners Are Still Finding

Federal guidance is changing. Your documentation burden isn't.

A March executive order reopened TRID timing, Ability-to-Repay, QM safe harbors, and HMDA thresholds. Regulation B amendments are now in effect, and the advisory opinion lenders used to build Special Purpose Credit Programs is gone.

States are filling the gap with add-on and junk fee enforcement, and AI is already sitting in your pricing and appraisal review ahead of the guidance meant to govern it. Meanwhile, the FDIC ran fewer exams last year and cited just as many violations (with TILA and flood still at the top of the list).

Join Ncontracts' compliance experts for how mortgage industry compliance is changing, what it means for your program, and where examiners keep finding problems.

You'll walk away with:

• What the mortgage executive order puts in play — TRID timing, ATR/QM safe harbors, HMDA thresholds
• How the Regulation B changes and rescinded SPCP opinion reshape program design and fair lending risk
• Where immigration status fits in an ability-to-repay determination, and why blanket ITIN denials invite ECOA exposure
• The AI governance gap: where AI sits in your loan process versus where model risk guidance stops
• What's on the horizon for lenders with the CFPB's recently released Regulatory Agenda
• State pressure points — add-on enforcement, junk fees, DIDMCA rate caps, escrow preemption
• Why TILA and flood still top examiner findings, and where third-party oversight falls short

The guidance is thinner. The findings aren't. Register now to make sure your program reflects the difference.