{"description":"Documents matching 'security mortgage monthly'","count":2462,"total_pages":50,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=security+mortgage+monthly&format=json&page=2","results":[{"title":"Concept Release on Residential Mortgage-Backed Securities Disclosures and Enhancements to Asset-Backed Securities Registration","type":"Proposed Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is publishing this concept release to solicit comments on whether to amend the asset-level disclosure requirements for residential mortgage-backed securities in Item 1125 of Regulation AB and whether to revise generally the definition of \"asset-backed security\" and/or other definitions in Item 1101 of Regulation AB. The Commission is considering these steps to expand issuer and investor access to the registered asset-backed securities markets and facilitate enhanced capital formation and liquidity while maintaining appropriate investor protections.","document_number":"2025-19152","html_url":"https://www.federalregister.gov/documents/2025/10/01/2025-19152/concept-release-on-residential-mortgage-backed-securities-disclosures-and-enhancements-to","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-01/pdf/2025-19152.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19152.pdf?1759236316","publication_date":"2025-10-01","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"(showing that 92% of single-family <span class=\"match\">mortgage</span>-related <span class=\"match\">securities</span> issuances in 2024 were conducted by the Agencies while 8% were private-label <span class=\"match\">securities</span> issuances).\n \n \n \n \n 28 \n  <span class=\"match\">Securities</span> issued or guaranteed by the Agencies are, like government <span class=\"match\">securities</span>, exempt from the registration and reporting requirements of the <span class=\"match\">Securities</span> Act and the Exchange Act. \n See \n 12 U.S.C. 1455(g) and 1723c. They are, however, subject to other regulatory reporting requirements.\n \n \n \n \n 29 \n  \n See \n Diana Knyazeva, \n Asset-Backed <span class=\"match\">Securities</span> Markets: Issuance and Structure"},{"title":"Disbursing Multifamily Mortgage Proceeds: Permitting Mortgagees To Disburse Mortgage Proceeds With Mortgagor-Provided Funds","type":"Rule","abstract":"When funds provided by a mortgagor to a mortgagee are not fully disbursed with the initial advance of the insured mortgage proceeds, this final rule permits mortgagees to disburse up to 1 percent of the mortgage amount initially endorsed for insurance before requiring that the funds provided by the mortgagor be disbursed in full. This change to HUD's requirements removes unusual and burdensome mortgage servicing practices that may result from pooling mortgages into mortgage-backed securities guaranteed by the Government National Mortgage Association prior to the funds provided by the mortgagor being disbursed in full. This final rule adopts HUD's August 6, 2024, proposed rule with only minor, non-substantive revisions.","document_number":"2024-29390","html_url":"https://www.federalregister.gov/documents/2024/12/13/2024-29390/disbursing-multifamily-mortgage-proceeds-permitting-mortgagees-to-disburse-mortgage-proceeds-with","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-13/pdf/2024-29390.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-29390.pdf?1734011144","publication_date":"2024-12-13","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"not fully disbursed with the initial advance of the insured <span class=\"match\">mortgage</span> proceeds, this final rule permits mortgagees to disburse up to 1 percent of the <span class=\"match\">mortgage</span> amount initially endorsed for insurance before requiring that the funds provided by the mortgagor be disbursed in full. This change to HUD's requirements removes unusual and burdensome <span class=\"match\">mortgage</span> servicing practices that may result from pooling <span class=\"match\">mortgages</span> into <span class=\"match\">mortgage</span>-backed <span class=\"match\">securities</span> guaranteed by the Government National <span class=\"match\">Mortgage</span> Association prior to the funds provided by the mortgagor being"},{"title":"30-Day Notice of Proposed Information Collection: Ginnie Mae Mortgage-Backed Securities Programs","type":"Notice","abstract":"HUD is seeking approval from the Office of Management and Budget (OMB) for the information collection described below. In accordance with the Paperwork Reduction Act, HUD is requesting comments from all interested parties on the proposed collection of information. The purpose of this notice is to allow for 30 days of public comment.","document_number":"2026-07141","html_url":"https://www.federalregister.gov/documents/2026/04/14/2026-07141/30-day-notice-of-proposed-information-collection-ginnie-mae-mortgage-backed-securities-programs","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-14/pdf/2026-07141.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07141.pdf?1776084311","publication_date":"2026-04-14","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"Reimbursement Files \n 1350 \n 4 \n 5400 \n 0.10 \n 540 \n 45.56 \n $24,602 \n \n \n 11711A and 11711B \n III-05 \n Release of <span class=\"match\">Security</span> Interest and Certification and Agreement \n 5591 \n 12 \n 67092 \n 0.20 \n 13418.4 \n 45.56 \n $611,342 \n \n \n 11714 \n VI-10 \n Issuer's <span class=\"match\">Monthly</span> Remittance Advice Issuer's <span class=\"match\">Monthly</span> Serial Note Remittance Advice \n 3975 \n 12 \n 47700 \n 0.02 \n 954 \n 45.56 \n $43,464 \n \n \n 11714SN \n VI-11 \n Issuer's <span class=\"match\">Monthly</span> Remittance Advice Issuer's <span class=\"match\">Monthly</span> Serial Note Remittance Advice \n 3975 \n 12 \n 47700 \n 0.02 \n 954 \n 45.56 \n $43,464 \n \n \n   \n VI-02 \n Letter for"},{"title":"Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates","type":"Notice","abstract":"This Notice announces changes in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by the Federal Housing Administration under the provisions of the National Housing Act (the Act). The interest rate for debentures issued under Section 221(g)(4) of the Act during the 6-month period beginning July 1, 2025, is 4\\3/8\\ percent. The interest rate for debentures issued under any other provision of the Act is the rate in effect on the date that the commitment to insure the loan or mortgage was issued, or the date that the loan or mortgage was endorsed (or initially endorsed if there are two or more endorsements) for insurance, whichever rate is higher. The interest rate for debentures issued under these other provisions with respect to a loan or mortgage committed or endorsed during the 6-month period beginning July 1, 2025, is 4\\5/8\\ percent.","document_number":"2025-17254","html_url":"https://www.federalregister.gov/documents/2025/09/09/2025-17254/mortgage-and-loan-insurance-programs-under-the-national-housing-act-debenture-interest-rates","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-09/pdf/2025-17254.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-17254.pdf?1757335509","publication_date":"2025-09-09","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"debenture interest rate for purposes of calculating certain insurance claim payments made in cash. Therefore, for all claims paid in cash on <span class=\"match\">mortgages</span> insured under Section 203 or 234 of the National Housing Act and endorsed for insurance after January 23, 2004, the debenture interest rate will be the <span class=\"match\">monthly</span> average yield, for the month in which the default on the <span class=\"match\">mortgage</span> occurred, on United States Treasury <span class=\"match\">Securities</span> adjusted to a constant maturity of 10 years, as found in Federal Reserve Statistical Release H-15. The Federal Housing Administration"},{"title":"Disbursing Multifamily Mortgage Proceeds: Permitting Mortgagees To Disburse Mortgage Proceeds With Mortgagor-Provided Funds","type":"Proposed Rule","abstract":"When funds provided by a mortgagor to a mortgagee are not fully disbursed with the initial advance of the insured mortgage proceeds, the proposed rule would permit mortgagees to disburse up to 1 percent of the mortgage amount initially endorsed for insurance before requiring that the funds provided by the mortgagor be disbursed in full. This proposed change would allow mortgagees to pool mortgages into mortgage-backed securities guaranteed by the Government National Mortgage Association prior to the funds provided by the mortgagor being disbursed in full.","document_number":"2024-17033","html_url":"https://www.federalregister.gov/documents/2024/08/06/2024-17033/disbursing-multifamily-mortgage-proceeds-permitting-mortgagees-to-disburse-mortgage-proceeds-with","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-06/pdf/2024-17033.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-17033.pdf?1722861913","publication_date":"2024-08-06","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"two months after the insured <span class=\"match\">mortgage</span> is endorsed.\n \n \n Given that 24 CFR 200.54(b) does not permit insured <span class=\"match\">mortgage</span> proceeds to be disbursed until the mortgagee disburses all mortgagor-provided funds, if the mortgagor-provided funds are not fully disbursed at the time the insured <span class=\"match\">mortgage</span> is endorsed, the <span class=\"match\">mortgage</span> cannot be pooled into a <span class=\"match\">mortgage</span>-backed <span class=\"match\">security</span> (MBS) guaranteed by the Government National <span class=\"match\">Mortgage</span> Association (Ginnie Mae) without conflicting with 24 CFR 200.54(b).\n 2 \n \n As such, for an insured <span class=\"match\">mortgage</span> to be pooled into a Ginnie"},{"title":"Future of the HECM and HMBS Programs and Opportunities for Innovation in Accessing Home Equity","type":"Notice","abstract":"The Department of Housing and Urban Development (HUD), through the Federal Housing Administration (FHA) and the Government National Mortgage Association (Ginnie Mae), are seeking public comments regarding the market for senior homeowners to access equity in their homes and possible improvements to the Home Equity Conversion Mortgage (HECM) and HECM mortgage-backed securities (HMBS) programs. Over its lifetime, HUD's reverse mortgage programs have served over a million American seniors but have faced operational and financial challenges. This Request for Information (RFI) aims to gather market feedback on opportunities to enhance the HECM and HMBS programs and the appropriate role of these programs in facilitating access to home equity for senior homeowners.","document_number":"2025-19344","html_url":"https://www.federalregister.gov/documents/2025/10/02/2025-19344/future-of-the-hecm-and-hmbs-programs-and-opportunities-for-innovation-in-accessing-home-equity","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-02/pdf/2025-19344.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19344.pdf?1759322728","publication_date":"2025-10-02","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"Department of Housing and Urban Development (HUD), through the Federal Housing Administration (FHA) and the Government National <span class=\"match\">Mortgage</span> Association (Ginnie Mae), are seeking public comments regarding the market for senior homeowners to access equity in their homes and possible improvements to the Home Equity Conversion <span class=\"match\">Mortgage</span> (HECM) and HECM <span class=\"match\">mortgage</span>-backed <span class=\"match\">securities</span> (HMBS) programs. Over its lifetime, HUD's reverse <span class=\"match\">mortgage</span> programs have served over a million American seniors but have faced operational and financial challenges. This Request for"},{"title":"60-Day Notice of Proposed Information Collection: Ginnie Mae Mortgage-Backed Securities Programs","type":"Notice","abstract":"HUD is seeking approval from the Office of Management and Budget (OMB) for the information collection described below. In accordance with the Paperwork Reduction Act, HUD is requesting comments from all interested parties on the proposed collection of information. The purpose of this notice is to allow for 60 days of public comment.","document_number":"2025-10544","html_url":"https://www.federalregister.gov/documents/2025/06/11/2025-10544/60-day-notice-of-proposed-information-collection-ginnie-mae-mortgage-backed-securities-programs","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-06-11/pdf/2025-10544.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-10544.pdf?1749559512","publication_date":"2025-06-11","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"INFORMATION: \n This notice informs the public that HUD is seeking approval from OMB for the information collection described in Section A. \n A. Overview of Information Collection \n \n Title of Information Collection: \n Ginnie Mae <span class=\"match\">Mortgage</span>-Backed <span class=\"match\">Securities</span> Programs Reporting and Feedback (RFS) Single Family Issuer <span class=\"match\">Monthly</span> Payment Default Status (PDS) Loan Level Reporting. The forms, numbered below, have not changed since 2023 approval.\n \n \n OMB Control Number: \n 2503-0033.\n \n \n Type of Request: \n Renewal without change to forms listed below. Changes"},{"title":"Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates","type":"Notice","abstract":"This Notice announces changes in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by the Federal Housing Administration under the provisions of the National Housing Act (the Act). The interest rate for debentures issued under Section 221(g)(4) of the Act during the 6-month period beginning July 1, 2024, is 4\\1/2\\ percent. The interest rate for debentures issued under any other provision of the Act is the rate in effect on the date that the commitment to insure the loan or mortgage was issued, or the date that the loan or mortgage was endorsed (or initially endorsed if there are two or more endorsements) for insurance, whichever rate is higher. The interest rate for debentures issued under these other provisions with respect to a loan or mortgage committed or endorsed during the 6-month period beginning July 1, 2024, is 4\\3/4\\ percent.","document_number":"2024-16506","html_url":"https://www.federalregister.gov/documents/2024/07/26/2024-16506/mortgage-and-loan-insurance-programs-under-the-national-housing-act-debenture-interest-rates","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-26/pdf/2024-16506.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16506.pdf?1721911529","publication_date":"2024-07-26","agencies":[{"raw_name":"DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT","name":"Housing and Urban Development Department","id":228,"url":"https://www.federalregister.gov/agencies/housing-and-urban-development-department","json_url":"https://www.federalregister.gov/api/v1/agencies/228","parent_id":null,"slug":"housing-and-urban-development-department"}],"excerpts":"debenture interest rate for purposes of calculating certain insurance claim payments made in cash. Therefore, for all claims paid in cash on <span class=\"match\">mortgages</span> insured under Section 203 or 234 of the National Housing Act and endorsed for insurance after January 23, 2004, the debenture interest rate will be the <span class=\"match\">monthly</span> average yield, for the month in which the default on the <span class=\"match\">mortgage</span> occurred, on United States Treasury <span class=\"match\">Securities</span> adjusted to a constant maturity of 10 years, as found in Federal Reserve Statistical Release H-15. The Federal Housing Administration"},{"title":"Request for Information Regarding Fees Imposed in Residential Mortgage Transactions","type":"Notice","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is seeking information and comments from the public related to fees charged by providers of mortgages and related settlement services.","document_number":"2024-12443","html_url":"https://www.federalregister.gov/documents/2024/06/06/2024-12443/request-for-information-regarding-fees-imposed-in-residential-mortgage-transactions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-06/pdf/2024-12443.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-12443.pdf?1717591530","publication_date":"2024-06-06","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"consumerfinance.gov/compliance/compliance-resources/<span class=\"match\">mortgage</span>-resources/tila-respa-integrated-disclosures/forms-samples/. \n \n \n \n \n 6 \n  Other costs include items such as recording fees, homeowners' insurance, and property taxes.\n \n \n \n \n 7 \n  \n https://www.fanniemae.com/research-and-insights/publications/barriers-entry-closing-costs-first-time-and-low-income-homebuyers. \n \n \n \n \n Borrowers may encounter dozens of different fees, all of which can impact the overall cost of a <span class=\"match\">mortgage</span>. The <span class=\"match\">Mortgage</span> Industry Standards Maintenance Organization (MISMO)"},{"title":"Freddie Mac Proposed Purchase of Single-Family Closed-End Second Mortgages; Comment Request","type":"Notice","abstract":"The Federal Housing Finance Agency (FHFA) invites comments on a proposal by the Federal Home Loan Mortgage Corporation (Freddie Mac) to purchase certain single-family closed-end second mortgages as a new product (proposed new product).","document_number":"2024-08479","html_url":"https://www.federalregister.gov/documents/2024/04/22/2024-08479/freddie-mac-proposed-purchase-of-single-family-closed-end-second-mortgages-comment-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-22/pdf/2024-08479.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08479.pdf?1713530724","publication_date":"2024-04-22","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"life of loan interest costs on both <span class=\"match\">mortgages</span>.\n \n \n 20 \n  This amount does not include <span class=\"match\">mortgage</span> interest already paid on the prior <span class=\"match\">mortgage</span>.\n \n \n \n \n Table 3—Illustrative Comparison of Cash-Out Refinance to a Second <span class=\"match\">Mortgage</span> Using Freddie Mac Provided Information \n \n   \n Option A \n Option B \n \n \n Scenario \n \n • Maintain First <span class=\"match\">Mortgage</span>\n • Origination UPB $150,000 \n • Current First <span class=\"match\">Mortgage</span> UPB $120,000 \n • Obtain a Second <span class=\"match\">Mortgage</span> for $30,000 \n \n \n • Cash-out refinance for $150,000.\n • Payoff Existing First <span class=\"match\">Mortgage</span> for $120,000. \n • Borrower Receives"},{"title":"Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties; Regulation X","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is proposing a rule that would amend regulations originally issued in 2013 regarding the responsibilities of mortgage servicers. The proposed amendments would streamline existing requirements when borrowers seek payment assistance in times of distress, add safeguards when borrowers seek help, and revise existing requirements with respect to borrower assistance. The proposed rule would also require servicers to provide certain communications in languages other than English, such as when a borrower is seeking payment assistance with their mortgage. The proposed rule, if finalized, would increase the likelihood that investors and borrowers can avert the costs of avoidable foreclosure.","document_number":"2024-15475","html_url":"https://www.federalregister.gov/documents/2024/07/24/2024-15475/streamlining-mortgage-servicing-for-borrowers-experiencing-payment-difficulties-regulation-x","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-15475.pdf?1721738712","publication_date":"2024-07-24","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"Servicing Issues—Requests for Comment \n 1. Zombie <span class=\"match\">Mortgages</span> \n In recent years, some borrowers are hearing from companies that claim to own or have the right to collect on long-dormant second <span class=\"match\">mortgages</span>, also known as zombie <span class=\"match\">mortgages</span>. Many borrowers, having not received any notices or periodic statements for years, concluded that these second <span class=\"match\">mortgages</span> had been modified along with the first <span class=\"match\">mortgage</span>, discharged in bankruptcy, or forgiven. These companies often demand the outstanding balance on the second <span class=\"match\">mortgage</span>, plus fees and interest, and threaten to foreclose"},{"title":"Enterprise Duty To Serve Underserved Markets","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (FHFA or Agency) proposes to rescind its regulation on Duty to Serve Underserved Markets and replace it with a new rule. If adopted as proposed, the new rule would enable the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (collectively, the Enterprises) to better serve the needs of very low-, low-, and moderate-income families in the manufactured housing, affordable housing preservation, and rural housing markets through greater innovation and with less administrative burden.","document_number":"2026-12750","html_url":"https://www.federalregister.gov/documents/2026/06/24/2026-12750/enterprise-duty-to-serve-underserved-markets","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-24/pdf/2026-12750.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-12750.pdf?1782218725","publication_date":"2026-06-24","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"an Enterprise purchases both a blanket <span class=\"match\">mortgage</span> on a cooperative building and share loans for units in the same building, both the <span class=\"match\">mortgage</span> on the cooperative building and the share loans will be treated as <span class=\"match\">mortgage</span> purchases. Where an Enterprise purchases both a <span class=\"match\">mortgage</span> on a condominium project and <span class=\"match\">mortgages</span> on individual dwelling units in the same project, both the <span class=\"match\">mortgage</span> on the condominium project and the <span class=\"match\">mortgages</span> on individual dwelling units will be treated as <span class=\"match\">mortgage</span> purchases. \n \n (5) \n <span class=\"match\">Mortgage</span> revenue bonds. \n The purchase or guarantee"},{"title":"Form N-PORT Reporting","type":"Proposed Rule","abstract":"The Securities and Exchange Commission (the \"Commission\") is proposing amendments to reporting requirements on Form N-PORT that apply to certain registered investment companies, including registered open-end funds, registered closed-end funds, and exchange-traded funds organized as unit investment trusts. The proposed amendments would modify provisions adopted in 2024 to provide these funds with an additional fifteen days to file monthly reports of portfolio-related information on Form N-PORT and would restore the quarterly publication frequency that had been in place for over two decades. The Commission is proposing these amendments in light of feedback from market participants and other developments. The Commission is also proposing to streamline or remove certain items and sub-items, reducing reporting burdens in ways that would not significantly affect the Commission's uses of the data and are not expected to significantly affect the public's ability to assess relevant information about a fund. Finally, the Commission is proposing to adjust how funds with share classes that operate as exchange-traded funds report certain information to improve information about this fund structure and to require information about funds' ticker symbols, as well as certain class-level identifiers, as applicable, to facilitate efficient use of the reported information.","document_number":"2026-03460","html_url":"https://www.federalregister.gov/documents/2026/02/23/2026-03460/form-n-port-reporting","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-02-23/pdf/2026-03460.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-03460.pdf?1771595112","publication_date":"2026-02-23","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"portfolio holdings information improve market efficiency? \n 17. Should we publish <span class=\"match\">monthly</span> portfolio holding information on Form N-PORT, but with a longer delay than provided in the 2024 amendments? For example, should <span class=\"match\">monthly</span> reports be made public 90 days after the end of the reporting period? Should <span class=\"match\">monthly</span> reports for each month in a fiscal quarter be made public at the same time, such as 60 or 90 days after the end of the fiscal quarter? Would delaying publication of <span class=\"match\">monthly</span> reports reduce the risks of free riding, front running, or similar actions"},{"title":"Enterprise Regulatory Capital Framework-Commingled Securities, Multifamily Government Subsidy, Derivatives, and Other Enhancements","type":"Rule","abstract":"The Federal Housing Finance Agency (FHFA or the Agency) is adopting a final rule that amends several provisions in the Enterprise Regulatory Capital Framework (ERCF) for the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac, and with Fannie Mae, each an Enterprise). The final rule includes modifications related to guarantees on commingled securities, multifamily mortgage exposures secured by government-subsidized properties, and derivatives and cleared transactions, among other items.","document_number":"2023-26078","html_url":"https://www.federalregister.gov/documents/2023/11/30/2023-26078/enterprise-regulatory-capital-framework-commingled-securities-multifamily-government-subsidy","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-11-30/pdf/2023-26078.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-26078.pdf?1701265522","publication_date":"2023-11-30","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"minimum take into account: \n \n (\n 1 \n ) The type of issuer of the <span class=\"match\">security</span>;\n \n \n (\n 2 \n ) The credit quality of the <span class=\"match\">security</span>;\n \n \n (\n 3 \n ) The maturity of the <span class=\"match\">security</span>; and\n \n \n (\n 4 \n ) The interest rate sensitivity of the <span class=\"match\">security</span>.\n \n (C) With respect to debt <span class=\"match\">securities</span> that are not investment grade and equity <span class=\"match\">securities</span>, an Enterprise must calculate a separate haircut for each individual <span class=\"match\">security</span>. \n (D) Where an exposure or collateral (whether in the form of cash or <span class=\"match\">securities</span>) is denominated in a currency that differs from the settlement currency"},{"title":"Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets","type":"Proposed Rule","abstract":"The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation are proposing to modify certain aspects of the regulatory capital rule (the proposal). The proposal would revise the risk-based capital treatment of certain exposure categories under the standardized approach, focusing on improving the calibration and risk sensitivity of risk weights that are particularly material to covered banking organizations' lending activities. The proposal would also modify the definition of regulatory capital by removing the threshold- based deduction for mortgage servicing assets for all banking organizations subject to the regulatory capital rule, including banking organizations subject to the community bank leverage ratio framework. In addition, the proposal would require Category III and IV banking organizations to recognize most elements of accumulated other comprehensive income in their regulatory capital. The agencies are concurrently publishing a separate proposal, which would require Category I and II banking organizations to use a new framework to calculate risk-weighted assets, called the expanded risk-based approach and would allow other banking organizations to elect to use the expanded risk-based approach.","document_number":"2026-05960","html_url":"https://www.federalregister.gov/documents/2026/03/27/2026-05960/regulatory-capital-rules-regulatory-capital-and-standardized-approach-for-risk-weighted-assets","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-27/pdf/2026-05960.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-05960.pdf?1774529110","publication_date":"2026-03-27","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"held-to-maturity <span class=\"match\">securities</span> that are included in AOCI.\n \n \n \n \n 19 \n  Available-for-sale <span class=\"match\">securities</span> refers to debt <span class=\"match\">securities</span>. Accounting Standards Update 2016-01 eliminated the classification of available-for-sale equity <span class=\"match\">securities</span> under Accounting Standards Codification Subtopic 321-10 and generally requires investments in equity <span class=\"match\">securities</span> to be measured at fair value with changes in fair value recognized in net income. Changes in the fair value of (\n i.e., \n the unrealized gains and losses on) a banking organization's equity <span class=\"match\">securities</span> are recognized"},{"title":"Privacy Act of 1974; System of Records","type":"Notice","abstract":"In accordance with the Privacy Act of 1974, the Department of the Army is modifying and reissuing a current system of records notice (SORN) titled \"Personnel Security Clearance Information Files,\" A0380-67 DAMI. The SORN is being retitled \"U.S. Army Security and Foreign Disclosure Files,\" with a new identifier of A0 0001 DAMI. Originally established to facilitate the processing of personnel security clearance actions, the SORN also documented clearances granted or denied and confirmed eligibility for access to classified information or assignment to sensitive positions. A separate notice rescinding Army SORN A0001 DAMI, \"Controlled Accountable Document Inventory System,\" is being published elsewhere in this issue of the Federal Register. This update incorporates the DoD standard routine uses and supports additional information sharing outside of the DoD. It also expands the authorities for maintaining the system, integrates records previously managed under the Controlled Accountable Document Inventory System, addresses records maintained across all general intelligence security disciplines, and expands on the purposes of such uses. Additionally, the update revises system locations and managers. These changes align the SORN with modernized automation systems and ensure compliance with applicable regulatory requirements.","document_number":"2026-01236","html_url":"https://www.federalregister.gov/documents/2026/01/23/2026-01236/privacy-act-of-1974-system-of-records","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-23/pdf/2026-01236.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-01236.pdf?1769089514","publication_date":"2026-01-23","agencies":[{"raw_name":"DEPARTMENT OF DEFENSE","name":"Defense Department","id":103,"url":"https://www.federalregister.gov/agencies/defense-department","json_url":"https://www.federalregister.gov/api/v1/agencies/103","parent_id":null,"slug":"defense-department"},{"raw_name":"Department of the Army","name":"Army Department","id":32,"url":"https://www.federalregister.gov/agencies/army-department","json_url":"https://www.federalregister.gov/api/v1/agencies/32","parent_id":103,"slug":"army-department"}],"excerpts":"Information <span class=\"match\">Security</span> Program; AR 380-49, Industrial <span class=\"match\">Security</span> Program; AR 380-53, Communications <span class=\"match\">Security</span> Monitoring; AR 380-67, Personnel <span class=\"match\">Security</span> Program; AR 380-381 Special Access Programs (SAPs) and Sensitive Activities; AR 381-45, Investigative Records Repository; and E.O. 9397 (SSN), as amended.\n \n PURPOSE(S) OF THE SYSTEM: \n This system of records supports the Department of Army's operational administration, management, accountability, and oversight of its <span class=\"match\">security</span> functions such as Information <span class=\"match\">Security</span>, Personnel <span class=\"match\">Security</span>, Industrial <span class=\"match\">Security</span>, Education"},{"title":"Exemption for Certain Prohibited Transactions Involving Meta Platforms, Inc. (Meta) Located in Menlo Park, CA","type":"Notice","abstract":"This document provides notice of an individual exemption from certain prohibited transaction restrictions of the Employee Retirement Income Security Act of 1974 (ERISA). The exemption permits Prudential Life Insurance Company of America (Prudential) to reinsure the Meta Platforms Inc. Health and Welfare Benefit Plan (Plan)'s group term life insurance benefits, accidental death and dismemberment benefits, survivor income benefits, supplemental employee term coverage, dependent term life insurance (spouse or domestic partner), dependent term life insurance (children) (the Reinsured Benefits), by entering into a reinsurance contract with Ekahi Insurance Company, LLC (Ekahi), an insurance company that is owned by Meta Platforms, Inc. (Meta or the Applicant). This arrangement is hereinafter referred to as the \"Reinsurance Arrangement.\"","document_number":"2025-12641","html_url":"https://www.federalregister.gov/documents/2025/07/08/2025-12641/exemption-for-certain-prohibited-transactions-involving-meta-platforms-inc-meta-located-in-menlo","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-08/pdf/2025-12641.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-12641.pdf?1751892313","publication_date":"2025-07-08","agencies":[{"raw_name":"DEPARTMENT OF LABOR","name":"Labor Department","id":271,"url":"https://www.federalregister.gov/agencies/labor-department","json_url":"https://www.federalregister.gov/api/v1/agencies/271","parent_id":null,"slug":"labor-department"},{"raw_name":"Employee Benefits Security Administration","name":"Employee Benefits Security Administration","id":131,"url":"https://www.federalregister.gov/agencies/employee-benefits-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/131","parent_id":271,"slug":"employee-benefits-security-administration"}],"excerpts":"AD&amp;D benefit covering a higher <span class=\"match\">monthly</span> <span class=\"match\">mortgage</span> payment of $2,000 per month. The benefit will be paid until the first of the following events occur: (1) the spouse or domestic partner dies; (2) the <span class=\"match\">mortgage</span> is paid in full; (3) the house subject to the <span class=\"match\">mortgage</span> is sold; or (4) the benefit has been paid for 12 consecutive months. \n 26. New Plan AD&amp;D benefit increases the <span class=\"match\">monthly</span> survivor income benefit to an employee's spouse or domestic partner to 60 percent of the employee's <span class=\"match\">monthly</span> earnings for a <span class=\"match\">monthly</span> maximum of $15,000 if certain conditions"},{"title":"Expansion of the Rental Subsidy Policy for Supplemental Security Income (SSI) Applicants and Recipients","type":"Rule","abstract":"We are finalizing our proposed regulation to apply nationwide the In-Kind Support and Maintenance (ISM) rental subsidy exception that has until now been available only for SSI applicants and recipients residing in seven States. This final rule provides that a \"business arrangement\" exists, such that the SSI applicant or recipient is not considered to be receiving ISM in the form of room or rent, when the amount of monthly required rent for the property equals or exceeds the presumed maximum value (PMV).","document_number":"2024-07675","html_url":"https://www.federalregister.gov/documents/2024/04/11/2024-07675/expansion-of-the-rental-subsidy-policy-for-supplemental-security-income-ssi-applicants-and","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-11/pdf/2024-07675.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-07675.pdf?1712753121","publication_date":"2024-04-11","agencies":[{"raw_name":"Social Security Administration","name":"Social Security Administration","id":470,"url":"https://www.federalregister.gov/agencies/social-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/470","parent_id":null,"slug":"social-security-administration"}],"excerpts":"the amount of <span class=\"match\">monthly</span> required rent for the property equals or exceeds the presumed maximum value (PMV). \n \n \n DATES: \n This final rule will be effective September 30, 2024. \n \n \n FOR FURTHER INFORMATION CONTACT: \n \n Tamara Levingston, Office of Income <span class=\"match\">Security</span> Programs, 6401 <span class=\"match\">Security</span> Blvd., Robert M. Ball Building, Suite 2512B, Woodlawn, MD 21235, 410-966-7384. For information on eligibility or filing for benefits, call our national toll-free number, 1-800-772-1213 or TTY 1-800-325-0778, or visit our internet site, Social <span class=\"match\">Security</span> Online, at \n https://www"},{"title":"Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed","type":"Rule","abstract":"This advisory opinion affirms the current applicability of consumer protections and creditor obligations under the Truth in Lending Act (TILA) and its implementing Regulation Z to transactions in which a consumer purchases a home under a \"contract for deed.\" When a creditor sells a home to a buyer under a contract for deed, that transaction will generally meet TILA and Regulation Z's definition of credit. Where the transaction is secured by the buyer's dwelling, the buyer will also generally be entitled to the protections associated with residential mortgage loans under TILA.","document_number":"2024-18620","html_url":"https://www.federalregister.gov/documents/2024/08/23/2024-18620/truth-in-lending-regulation-z-consumer-protections-for-home-sales-financed-under-contracts-for-deed","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-23/pdf/2024-18620.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-18620.pdf?1724330715","publication_date":"2024-08-23","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"of the purchase price. A contract for deed creates a <span class=\"match\">mortgage</span>.”).\n \n \n \n \n 37 \n  \n Id. See also <span class=\"match\">Mortgage</span>, \n Black's Law Dictionary (11th ed. 2019) (“A conveyance of title to property that is given as <span class=\"match\">security</span> for the payment of a debt or the performance of a duty and that will become void upon payment or performance according to the stipulated terms.”); Restatement (Third) of Property (<span class=\"match\">Mortgages</span>) sec. 1.1 (1997) (“The function of a <span class=\"match\">mortgage</span> is to employ an interest in real estate as <span class=\"match\">security</span> for the performance of some obligation.”).\n \n \n \n \n 38"},{"title":"2025-2027 Enterprise Housing Goals","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (FHFA) is issuing a proposed rule and requesting comments on the housing goals for Fannie Mae and Freddie Mac (the Enterprises) for 2025 through 2027 as required by the Federal Housing Enterprises Financial Safety and Soundness Act of 1992. The housing goals and subgoals include separate categories for single-family and multifamily mortgages on housing affordable to low- income and very low-income families, among others. The proposed rule also includes criteria for when housing plans would be required for 2025-2027, and it makes several technical changes to enhance clarity and conform the regulation to existing practice.","document_number":"2024-19261","html_url":"https://www.federalregister.gov/documents/2024/08/29/2024-19261/2025-2027-enterprise-housing-goals","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-29/pdf/2024-19261.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-19261.pdf?1724849117","publication_date":"2024-08-29","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"housing goals in previous years; \n 4. The ability of the Enterprises to lead the industry in making <span class=\"match\">mortgage</span> credit available; \n 5. Such other reliable <span class=\"match\">mortgage</span> data as may be available; \n 6. The size of the purchase money conventional <span class=\"match\">mortgage</span> market, or refinance conventional <span class=\"match\">mortgage</span> market, as applicable, serving each of the types of families described, relative to the size of the overall purchase money <span class=\"match\">mortgage</span> market or the overall refinance <span class=\"match\">mortgage</span> market, respectively; and \n \n 7. The need to maintain the sound financial condition of the Enterprises"}]}