{"id":418557,"date":"2023-12-01T16:45:12","date_gmt":"2023-12-01T21:45:12","guid":{"rendered":"https:\/\/www.housingwire.com\/?p=418557"},"modified":"2023-12-01T16:45:16","modified_gmt":"2023-12-01T21:45:16","slug":"cfpbs-chopra-addresses-mortgage-trigger-leads-servicing-rules-in-senate-hearing","status":"publish","type":"post","link":"https:\/\/www.housingwire.com\/articles\/cfpbs-chopra-addresses-mortgage-trigger-leads-servicing-rules-in-senate-hearing\/","title":{"rendered":"CFPB\u2019s Chopra addresses mortgage trigger leads, servicing rules in Senate hearing"},"content":{"rendered":"\n

Consumer Financial Protection Bureau<\/a><\/strong> (CFPB) Director Rohit Chopra<\/a> has made the rounds this week on Capitol Hill, providing testimony to Congress in their semi-annual reviews of the CFPB. On Thursday, Chopra took questions from members of the U.S. Senate<\/a><\/strong> Committee on Banking, Housing and Urban Affairs, including one on the controversial topic of mortgage trigger leads.<\/p>\n\n\n\n

Sen. Jack Reed (D-R.I.), who serves as a senior member of the Banking and Housing Committee, took the opportunity to ask Chopra about the practice and what the Bureau might be able to do about it.<\/p>\n\n\n\n

\u201cCredit rating bureaus sell so-called trigger leads, which are essentially a tip that consumers shopping for a mortgage,\u201d Reed said. \u201cThe trigger lead can generate contacts, and some of them [are] more confusing than helpful. You have responsibility for both the mortgage lending process and also the credit reporting bureaus. Is there anything you could do to help clarify the situation under existing authority to protect consumers from misinformation?\u201d<\/p>\n\n\n\n

Mortgage trigger leads<\/h2>\n\n\n\n

Chopra described the situation as complicated but did not challenge the senator\u2019s premise regarding the confusion that consumers might have when trigger leads enter the equation.<\/p>\n\n\n\n

\u201cOne of the things that [happens is that] a prospective homeowner will talk to a mortgage lender, and then all of a sudden, they’ll start getting a barrage of calls,\u201d Chopra said. \u201cAnd they actually think that the original mortgage lender told everyone [they were seeking a mortgage], and they wonder what’s going on. This is something that I think our authority is somewhat limited.\u201d<\/p>\n\n\n\n

Still, the Bureau is \u201chappy\u201d to look at potential solutions to make clear that it is not the mortgage lender openly divulging the shopping status of a particular consumer.<\/p>\n\n\n\n

\u201cThat is not happening,\u201d Chopra explained. \u201cBecause the credit reporting<\/a> company is really making that information available. You know, you raise the issue of [the Fair Credit Reporting Act (FCRA)] and data on credit reports. We have a lot more of these companies collecting sensitive information, not just what loan you apply for.\u201d<\/p>\n\n\n\n

Trigger lead data can include geolocation information, Chopra said, which has privacy considerations for consumers.<\/p>\n\n\n\n

\u201cThat data is increasingly being weaponized,\u201d he said. \u201cAnd so, we’re looking at all of these data issues, and figuring out how to make sure we’re protecting the public.\u201d<\/p>\n\n\n\n

Servicing rules<\/h2>\n\n\n\n

Democratic Sen. Jon Tester of Montana asked a focused question about what Chopra sees as the biggest risk that the CFPB can help with for the financial solvency of U.S. military veterans, and Chopra responded that homeownership<\/a> issues were at the top of the list.<\/p>\n\n\n\n

\u201cCertainly, I think homeownership, being kicked out of your home, and being able to get a loan modification \u2014 by sheer dollars \u2014 it\u2019s a huge amount of money,\u201d Chopra said. \u201cAnd that\u2019s why we\u2019re looking at streamlining some of our mortgage servicing rules to allow more people to more easily get loan modifications, and be able to avoid foreclosure.\u201d<\/p>\n\n\n\n

This response followed statements made by the CFPB this past summer<\/a>, where it identified mortgage servicing rules as a priority.<\/p>\n\n\n\n

\u201cThe CFPB observed that there were places where the rules could be revised to reduce unnecessary complexity,\u201d Chopra said in a June blog post. \u201cLast fall, the CFPB asked the public for input on ways to reduce risks for borrowers who experience disruptions in their ability to make mortgage payments, including input on the mortgage forbearance options available to borrowers.\u201d<\/p>\n\n\n\n

At the time, Chopra described seeking input on the features of COVID-19 forbearance programs, seeing those as a potential guide to the automation and streamlining of \u201clong-term loss mitigation assistance,\u201d he said.<\/p>\n\n\n\n

Mortgage issues were generally not the focus of questioning, which was also the case in the House Financial Services Committee hearing Chopra sat in the day before<\/a>. Much of Chopra\u2019s opening remarks in the Senate hearing<\/a> were similar, if not identical, to the same statement he provided for House lawmakers.<\/p>\n","protected":false},"excerpt":{"rendered":"

The CFPB Director addressed issues related to mortgage trigger leads and loan modifications in a hearing on Capitol Hill Thursday.<\/p>\n","protected":false},"author":7007,"featured_media":370330,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[268237,1692,2020],"tags":[2012,4036,6165,27097,1350],"coauthors":[239905],"acf":[],"yoast_head":"\nCFPB\u2019s Chopra addresses mortgage trigger leads, servicing rules in Senate hearing - HousingWire<\/title>\n<meta name=\"description\" content=\"The CFPB Director addressed issues related to mortgage trigger leads and loan modifications in a hearing on Capitol Hill Thursday.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.housingwire.com\/articles\/cfpbs-chopra-addresses-mortgage-trigger-leads-servicing-rules-in-senate-hearing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CFPB\u2019s Chopra addresses mortgage trigger leads, servicing rules in Senate hearing - 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