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“The bureau’s updated rules will also make it easier for certain small lenders to qualify for an exemption from a requirement to maintain escrow accounts on higher-priced mortgage loans. However, ICBA continues to advocate that the CFPB exempt all portfolio loans from the escrow requirements for higher-priced mortgage loans because community banks retain a vested interest in the loans they hold in portfolio.

“ICBA looks forward to continuing to work with the CFPB to ensure its mortgage regulations do not inhibit the community banking industry from meeting the mortgage credit needs of customers and communities throughout the nation.”

For more information, visit www.icba.org.

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