Mortgage Regulatory Review Puts TRID, HMDA, QM and Servicing Rules Back on the Table

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For loan officers, the practical message is simple: watch the review process, but keep originating under the rules that are in force now.

A mortgage regulatory review is putting several core compliance frameworks back under the microscope, according to a HousingWire report published September 23, 2026. The review reportedly touches TRID, HMDA, the Qualified Mortgage rule, and mortgage servicing rules — all areas that shape how lenders disclose, document, qualify and manage mortgage loans.

HousingWire reported that panelists described the mortgage rulebook as moving toward a less prescriptive approach, but the article also makes clear that changes are not immediate. For producing loan officers, the important distinction is this: rules may be under review, but day-to-day origination still runs on the compliance requirements that are currently in effect.

Key takeaways

• HousingWire reported that executive orders have put TRID, HMDA, Qualified Mortgage and mortgage servicing rules under review.
• Panelists said the mortgage rulebook may become less prescriptive, but the source material does not confirm any final rule changes.
• Any actual changes would likely require formal rulemaking, which is typically a slower process than an executive order or policy statement.
• Loan officers should keep following current compliance requirements until regulators publish final, effective changes.

Sources

• HousingWire — The mortgage rulebook is getting less prescriptive, panelists say

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