Risk, Regs & Response

Mike Housch dissects the current risk landscape, examining how the CFPB's proposed narrowing of ECOA protections and limitations on Special Purpose Credit Programs (SPCPs) are reshaping fair lending compliance. We also dive deep into the new, non-negotiable cybersecurity and resilience mandates being pushed down the mortgage supply chain by Fannie Mae and other GSEs

In this episode of Risk, Regs, and Response, host Mike Housch breaks down the latest 30 days of regulatory movement shaping the mortgage and financial risk environment. From new Fannie and Freddie guidance to CFPB enforcement updates and MBA’s state-level compliance pushes, we’ll dive into how policy, oversight, and real-world lending risk are converging, and what that means for lenders, servicers, and consumers heading into 2026.Expect real analysis, not just headlines. connecting the dots between Washington’s next moves, compliance pressures, and how today’s risk leaders can adapt, automate, and stay ahead.