The original headline is: "CFPB’s 2026 Regulatory Agenda: Changes Are Coming for Mortgage Lenders and Servicers"

Short summary

The CFPB's 2026 regulatory agenda focuses heavily on mortgage deregulation, driven by Executive Order 14393 aimed at reducing compliance costs and expanding credit access. A final rule streamlining mortgage servicing loss mitigation procedures under Regulation X is expected in August 2026, with COVID-19 mortgage protection rescission finalized by November. Ability-to-repay and qualified mortgage definitions remain at the pre-rule stage.

• •CFPB agenda prioritizes mortgage deregulation per EO 14393 to reduce compliance costs
• •Final rule on Regulation X loss mitigation streamlining expected August 2026
• •ATR/QM definitions at pre-rule stage; loan originator compensation is a long-term action

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