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The CFPB has updated the TILA-RESPA Integrated Disclosure Guide to the Loan Estimate and Closing Disclosure forms that is available on the Bureau's TILA-RESPA Integrated Disclosure rule implementation page. The updated guide incorporates amendments and clarifications in the Bureau's July 7, 2017, final rule amending the TRID requirements.

The OCC and the FDIC have released lists of recent CRA evaluations. The OCC listed 29 evaluations of national banks and federal savings associations, including five rated "outstanding," 23 "satisfactory" and one "needs to improve."

The FDIC identified 63 state nonmember banks recently evaluated, including two rated "outstanding," 59 "satisfactory," and two "needs to improve."

The Federal Housing Finance Agency (FHFA) has released its fourth report providing information about the sale of non-performing loans (NPLs) by Fannie Mae and Freddie Mac (the Enterprises). The Enterprise Non-Performing Loan Sales Report includes information about NPLs sold through June 30, 2017. It reflects borrower outcomes on NPLs sold through that date. The report shows that the Enterprises sold 82,359 NPLs representing a total unpaid principal balance of $16 billion.

The Federal Trade Commission has announced it has filed a complaint in the Federal District Court for the Middle District of Florida seeking to halt an alleged credit card interest-rate reduction scam that deceives consumers struggling with credit card debt. The complaint alleges that the individuals charged in this case, who previously worked for a nearly identical telemarketing operation shut down by court order in 2016 at the request of the FTC, set up a new operation selling similar bogus credit-card interest-rate-reduction services within weeks of the court order shuttering the earlier operation.

The Federal Housing Finance Agency has announced it has published An Update on Implementation of the Single Security Initiative and the Common Securitization Platform. detailing progress toward further implementation of the Common Securitization Platform (CSP) and launch of a single, common security called the Uniform Mortgage-Backed Security (UMBS).

HUD and the Texas General Land Office (GLO) have announced the launch of a public awareness campaign to inform owners of homes damaged by Hurricane Harvey that help is available to avoid foreclosure and to finance repairs. Over one-quarter of home loans in Texas are insured by the Federal Housing Administration (FHA), an agency within HUD, which offers a range of payment and other relief options for borrowers living in Presidentially Declared Major Disaster Areas (PDMDAs). Borrowers who are having trouble making mortgage payments can contact their servicers to discuss available resources. In addition, HUD-approved housing counselors can assist in connecting impacted homeowners with the right options for relief. HUD also offers help for borrowers and loan servicers through its FHA Resource Center.

The NMLS has posted the working agenda for the 2018 NMLS Annual Conference and Training, February 6–9, 2018, in New Orleans.

The FDIC announced yesterday it has issued the lists of institutions scheduled for a Community Reinvestment Act (CRA) examination during the first and second quarters of 2018.

The Federal Reserve Board has posted:

• the November 29, 2017, issue of the Beige Book, the summary of commentary on current economic conditions by Federal Reserve District
• the September 2017 G.20 report of owned and managed receivables outstanding and auto loans: terms of credit
• updates to the FRB/US model packages

The FHFA index indicates mortgage rates decreased in October 2017. Nationally, interest rates on conventional purchase-money mortgages decreased from September to October, according to several indices of new mortgage contracts.

• The National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders Index was 3.98 percent for loans closed in late October, down 2 basis points from 4.00 percent in September.
• The average interest rate on all mortgage loans was 3.97 percent, down 2 basis points from 3.99 in September.
• The average interest rate on conventional, 30-year, fixed-rate mortgages of $424,100 or less was 4.11 percent, down 3 basis points from 4.14 in September.
• The effective interest rate on all mortgage loans was 4.01 percent in October, down 7 basis points from 4.08 in September.

The average loan amount for all loans was $307,500 in October, up $8,000 from $299,500 in September.