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Articles by James Wright
HUD Proposes Meaningful Changes to Partial Claim Process with Reinstatement Advance Payment Demonstration
On July 20, 2026, the Federal Housing Administration (FHA) published a draft mortgagee letter that would significantly revamp portions of the loss mitigation process for FHA-insured mortgage loans. If enacted, the draft mortgagee letter would create a new method of structuring a partial claim called a Partial Claim Reinstatement Advance Payment (RAP). RAP would allow servicers to offer partial claims without repackaging delinquent amounts into subordinate liens.
HUD Proposes Changes to Its Implementation of the Fair Housing Act’s Disparate Impact Standard
On January 14, 2026, the U.S. Department of Housing and Urban Development (HUD) issued a proposed rule to “remove its discriminatory effects regulations and [leave] to courts questions related to interpretations of disparate impact liability under the Fair Housing Act.” The proposed rule follows President Trump’s executive orders, along with intervening Supreme Court decisions signaling a reassessment of the role of disparate impact theory in the federal landscape.
HUD Mortgagee Letter 2026-03 – Bridging the Gap Between Total Debt and CAFMV in the CWCOT Bidding Context
The U.S. Department of Housing and Urban Development (HUD) recently took concrete steps toward addressing industry concerns and uncertainty related to the Claims Without Conveyance of Title (CWCOT) foreclosure bidding process.
Urban Development Department Requests Information Under HECM Prog
The U.S. Department of Housing and Urban Development (HUD) published a request for information (RFI) on October 2, 2025 titled “Future of the HECM and HMBS Programs and Opportunities for Innovation in Accessing Home Equity.” The title alone underscores the RFI’s importance for all participants in HUD’s Home Equity Conversion Mortgage (HECM) program, including lenders, servicers and investors.
Updates to the Updates of FHA’s Servicing, Loss Mitigation, and Claims Processes
At the tail end of the Biden administration, the Federal Housing Administration (FHA) published Mortgagee Letter 2025-06, which was tilted Updates to Servicing, Loss Mitigation, and Claims. The 251-page mortgagee letter outlines various changes to FHA’s servicing requirements in Handbook 4000.1, such as updated requirements for forbearances and extending the availability of COVID-19 Recovery Options to February 1, 2026.
FHA Overhauls Appraisal Rules: Three Appraisal Policy Related Mortgagee Letters Rescinded
On March 19, 2025, the Federal Housing Administration (FHA) issued Mortgagee Letter (ML) 2025-08 titled “Rescinding Multiple Appraisal Policy Related Mortgagee Letters.” As the title suggests, FHA rescinded three mortgagee letters relating to Appraisal Fair Housing Compliance and Appraisal Review and Reconsideration.
Potential Impact of FHA’s Revised Defect Taxonomy on Mortgage Originators and Servicers
On January 7, 2025, the Federal Housing Administration (FHA) officially revised its Defect Taxonomy (Final Defect Taxonomy) with the publication of Mortgagee Letter (ML) 2025-01 and the related attachment detailing those changes. The changes are effective as of January 15, 2025, and will be implemented in Appendix 8.0 of FHA Handbook 4000.1 at a later date. FHA first proposed revising the Defect Taxonomy on October 28, 2021, with the publication of FHA INFO 2021-92.
ESG and Supply Chains in 2024: Key Trends, Challenges, and Future Outlook
Skip to main content January 09, 2025 Volume XV, Number 9 Legal Analysis. Expertly Written. Quickly Found. Trending News ESG and Supply Chains in 2024: Key Trends, Challenges, and Future Outlook Print Mail Download />i Facebook Twitter Linkedin Pinterest Reddit Facebook Messenger Email Digg Print X Buffer Flipboard In 2024, supply chains remained a critical focal point for companies committed to environmental, social, and governance (ESG) principles.
What Private Equity Investors and Real Estate Investment Trusts Need to Know About the Newly Enacted Massachusetts Health Oversight Law
Skip to main content January 09, 2025 Volume XV, Number 9 Legal Analysis. Expertly Written. Quickly Found.
HUD’s Proposed ORCA Program – A New Option for Earlier Mortgagee Reimbursement
On December 19, 2024, the Fair Housing Administration (FHA) and the U.S. Department of Housing and Urban Development (HUD) published a draft Mortgagee Letter proposing a new Optional Reimbursement Claim Alternative (ORCA) program. ORCA is intended to allow mortgagees to seek reimbursement for property tax and insurance payments the mortgagee advances on behalf of forward mortgage borrowers before the final claim payment.
FHA Extends Implementation Date for Recent Appraisal Review and Reconsideration of Value Guidelines
On August 6, 2024, in Mortgagee Letter (ML) 2024-16 , the Federal Housing Administration (FHA) announced an extension for the implementation of recent Appraisal Review and Reconsideration of Value (ROV) guidelines through and to October 31, 2024.
FHA Changes its Defect Taxonomy for Originators and Services
Skip to main content August 05, 2024 Volume XIV, Number 218 Legal Analysis. Expertly Written. Quickly Found. Trending News FHA Changes its Defect Taxonomy for Originators and Services Print Mail Download />i Facebook Twitter Linkedin Pinterest Reddit Facebook Messenger Email Digg Print X Buffer Flipboard Over the past month, the Federal Housing Administration (FHA) has enacted and proposed several changes to its Defect Taxonomy.
Workplace Strategies Watercooler 2024: People Problems—Strategies for Dealing With Problem Employee Situations [Podcast]
Skip to main content May 30, 2024 Volume XIV, Number 151 Legal Analysis. Expertly Written. Quickly Found.
Impact of Revised FHA Handbook on Reverse Mortgage Servicers
Skip to main content May 30, 2024 Volume XIV, Number 151 Legal Analysis. Expertly Written. Quickly Found.
FHA Announces New Guidelines Allowing Borrowers to Challenge Appraisals
Skip to main content May 28, 2024 Volume XIV, Number 149 Legal Analysis. Expertly Written. Quickly Found.
FHA Announces New Loss Mitigation Payment Supplement Option
Amidst record-level interest rates, on February 21, 2024, the Federal Housing Administration (FHA) announced a new loss mitigation option, the Payment Supplement, to aid struggling borrowers. The Payment Supplement will bring a borrower’s mortgage current, as well as provide a temporary reduction in the borrower’s monthly principal mortgage payment for a term of three years.
FHA Announces New Loss Mitigation Payment Supplement Option
Amidst record-level interest rates, on February 21, 2024, the Federal Housing Administration (FHA) announced a new loss mitigation option, the Payment Supplement, to aid struggling borrowers. The Payment Supplement will bring a borrower’s mortgage current, as well as provide a temporary reduction in the borrower’s monthly principal mortgage payment for a term of three years.
Energy Sector: Is this REUL-ly happening? Update on the Retained EU Law (Revocation and Reform) Act 2023
We reported in 2022 on the introduction to Parliament of the Retained EU Law (Revocation and Reform) Bill (the “Bill”). The legislation underwent some significant amendments before the ultimate enactment of the Retained EU Law (Revocation and Reform) Act (the “Act”) in June 2023.
HUD OIG Top Management Challenges Report for 2024
Consistent with its mission to safeguard against fraud, waste, and abuse, the Office of Inspector General (OIG) of the U.S. Department of Housing and Urban Development (HUD) recently announced concerns regarding Ginnie Mae’s management of its Home Equity Conversion Mortgage-Backed Securities (HMBS) Program. On November 15, 2023, the HUD OIG issued the Top Management Challenges Report for fiscal year 2024.
Cyber Predictions for 2024 from TechRadar are Accurate
Because technology develops so rapidly, and “trends” are fast and furious, it is always hard to predict what the big issues will be for the next year. A year is a long time in the tech field. Just look at how fast ChatGPT became a sensation, with consumers and businesses falling quickly behind in analyzing the risks of its use. I came across TechRadar’s cybersecurity predictions for 2024, and I think they are spot on (at least as far as we can predict a very long way off in the tech field).
FHA Seeks Additional Feedback on New Loss Mitigation Option for Struggling Borrowers
Skip to main content January 04, 2024 Volume XIV, Number 4 Legal Analysis. Expertly Written. Quickly Found.
Singapore | Reminder: Submit Latest Turnover Figures to EP eService
Skip to main content January 04, 2024 Volume XIV, Number 4 Legal Analysis. Expertly Written. Quickly Found. Trending News Singapore | Reminder: Submit Latest Turnover Figures to EP eService Print Mail Download i Employers are reminded to provide their latest turnover figures for the 2023 fiscal year to the Singapore Ministry of Manpower.
FHA Seeks Additional Feedback on New Loss Mitigation Option for Struggling Borrowers
On November 16, 2023, in response to comments received on a prior draft Mortgagee Letter (ML) related to a Proposed Payment Supplement Partial Claim, the Federal Housing Administration (FHA) published another draft ML titled “Payment Supplement.” The prior draft ML proposed a payment supplement partial claim that would cure mortgage arrearages and temporarily reduce a borrower’s monthly mortgage payment.
Contrasting reactivity of B-Cl and B-H bonds at [Ni(IMes)2] to form unsupported Ni-boryls
Contrasting reactivity of B–Cl and B–H bonds at [Ni(IMes)2] to form unsupported Ni-boryls† [Ni(IMes)2] reacts with chloroboranes via oxidative addition to form rare unsupported Ni-boryls. In contrast, the oxidative addition of hydridoboranes is not observed and products from competing reaction pathways are identified.
Changing of the Guard: NCAA Presents Pathway for Division I Schools to Pay Athletes
Skip to main content December 06, 2023 Volume XIII, Number 340 Legal Analysis. Expertly Written. Quickly Found. Trending News Changing of the Guard: NCAA Presents Pathway for Division I Schools to Pay Athletes Print Mail Download i NCAA President Charlie Baker has advanced the idea of giving universities and colleges (with the most-resourced athletic departments) the option to pay student-athletes.
Elizabeth R. Hobbs
The Cannabis Industry Team at Bradley Arant Boult Cummings LLP has been named a Go-To Thought Leader by the National Law Review. Over the span of 2022, the team has provided substantial insight into cannabis legalization at the state level, including updates for Alabama, North Carolina, Tennessee, and others. Regular contributing authors include (but are not limited to): Whitt Steineker, James W. Wright, Jr., Slates C. Veazey, Rachel M. LaBruyere, Elizabeth R. Hobbs, J.
FHA Proposes New Partial Claim Loss Mitigation for Struggling Borrowers
On May 31, 2023, the Federal Housing Administration (FHA) published a draft Mortgagee Letter (ML) titled “Proposed Payment Supplement Partial Claim.” The draft ML proposes use of available partial claims funds to create a new loss mitigation option to assist struggling borrowers. Generally, a partial claim is an interest-free subordinate loan issued by the United States Department of Housing and Urban Development (HUD) used to pay a portion of a borrower’s past due balance.
FHA Proposes New Partial Claim Loss Mitigation for Struggling Borrowers
On May 31, 2023, the Federal Housing Administration (FHA) published a draft Mortgagee Letter (ML) titled “Proposed Payment Supplement Partial Claim.” The draft ML proposes use of available partial claims funds to create a new loss mitigation option to assist struggling borrowers. Generally, a partial claim is an interest-free subordinate loan issued by the United States Department of Housing and Urban Development (HUD) used to pay a portion of a borrower’s past due balance.
CFPB, FDIC, NCUA, OCC, and FRB Issue Proposed Guidance on Reconsiderations of Value of Residential Real Estate Transactions
Consistent with concerns surrounding bias in property valuations, on June 8, 2023, the Consumer Financial Protection Bureau (CFPB), the Federal Deposit Insurance Corporation (FDIC), the Board of Governors of the Federal Reserve System (the “board”), the National Credit Union Administration (NCUA), and the Office of the Comptroller of the Currency (OCC) issued proposed guidance on reconsiderations of value (ROV) for residential real estate valuations.
FHA Amends HECM Assignment Claim Type 22 Submission Requirements
Affirming its commitment to the senior citizen population, on May 17, 2023, the Federal Housing Administration (FHA) issued Mortgagee Letter 2023-10, implementing amendments to the Home Equity Conversion Mortgage (HECM) assignment claim submission criteria. As a bit of background, a HECM is a reverse mortgage insured by the FHA.
Rachel LaBruyere Litigation Attorney Bradley Arant Boult Cummings Charlotte
Legal Disclaimer You are responsible for reading, understanding and agreeing to the National Law Review's (NLR’s) and the National Law Forum LLC's Terms of Use and Privacy Policy before using the National Law Review website. The National Law Review is a free to use, no-log in database of legal and business articles. The content and links on www.NatLawReview.com are intended for general information purposes only.
CFPB Hosts Hearing on Appraisal Bias
In light of growing concerns, the Federal Financial Institutions Examination Council (FFIEC) Appraisal Subcommittee (ASC) held its first hearing on appraisal bias on January 24, 2023, at the Consumer Financial Protection Bureau (CFPB) headquarters.
FHA Implements COVID-19 Property Charge Repayment Plan for HECM Borrowers
Tuesday, January 17, 2023 On December 15, 2022, the Federal Housing Administration (FHA) issued Mortgagee Letter 2022-23, establishing the COVID-19 Home Equity Conversion Mortgage (HECM) Property Charge Repayment Plan. The COVID-19 HECM Property Charge Repayment Plan would aid HECM borrowers in covering costs associated with standard property charges.
FHA Implements COVID-19 Property Charge Repayment Plan for HECM Borrowers
On December 15, 2022, the Federal Housing Administration (FHA) issued Mortgagee Letter 2022-23, establishing the COVID-19 Home Equity Conversion Mortgage (HECM) Property Charge Repayment Plan. The COVID-19 HECM Property Charge Repayment Plan would aid HECM borrowers in covering costs associated with standard property charges. As a condition of their loan, HECM borrowers are required to pay property charges such as property taxes, insurance and Homeowner Association fees, etc.
SAFE Banking Act Could Ease Legal Cannabis Industry Bank Restrictions
Thursday, December 1, 2022 As the midterm elections come to an end, we revisit the future of the SAFE Banking Act and the hurdles we expect to see in the coming Congressional term. If passed, the SAFE Banking Act would remove uncertainties surrounding federally regulated financial institutions, allowing financial institutions to bank the legal cannabis industry with less legal, regulatory, and reputational risk.
Whitt Steineker Cannabis Attorney Bradley Birmingham
Legal Disclaimer You are responsible for reading, understanding and agreeing to the National Law Review's (NLR’s) and the National Law Forum LLC's Terms of Use and Privacy Policy before using the National Law Review website. The National Law Review is a free to use, no-log in database of legal and business articles. The content and links on www.NatLawReview.com are intended for general information purposes only.
HUD Releases Update to HECM Program Requirements for HECMs Due and Payable Due to Death of Borrower
Wednesday, September 14, 2022 On August 31, 2022, the U.S. Department of Housing and Urban Development (HUD) released Mortgagee Letter 2022-15 titled “Update to Home Equity Conversion Mortgage (HECM) Program Requirements for Notice of Due and Payable Status.” Mortgagee Letter 2022-15 modifies a HECM mortgagee’s notification requirements to a borrower’s estate after a loan becomes due and payable due to the death of the last surviving borrower.
Editors’ Roundtable: When Will Marijuana Be Federally Legal and What Will That Look Like?
This is the first in what will be a regular feature where Bradley's Budding Trends editors – Whitt Steineker, Jay Wright, Hunter Robinson, and Slates Veazey – discuss cannabis issues in the news and take a stab at where the cannabis industry is going in the future. Just remember, making predictions is hard, especially about the future. Let’s see how this goes.
Managing the LIBOR Transition in GCC Islamic Financings [VIDEO]
Legal Disclaimer You are responsible for reading, understanding and agreeing to the National Law Review's (NLR’s) and the National Law Forum LLC's Terms of Use and Privacy Policy before using the National Law Review website. The National Law Review is a free to use, no-log in database of legal and business articles. The content and links on www.NatLawReview.com are intended for general information purposes only.
CFPB Report on Mortgage Servicers Examines Industry Responses After Pandemic Protections End
Legal Disclaimer You are responsible for reading, understanding and agreeing to the National Law Review's (NLR’s) and the National Law Forum LLC's Terms of Use and Privacy Policy before using the National Law Review website. The National Law Review is a free to use, no-log in database of legal and business articles. The content and links on www.NatLawReview.com are intended for general information purposes only.
Scalable selective electrochemical oxidation of sulfides to sulfoxides
Scalable selective electrochemical oxidation of sulfides to sulfoxides Zi-Hao Fu, Hao-Dong Tian, Shao-Fei Ni, James S. Wright, Ming Li, Li-Rong Wen and Lin-Bao Zhang Abstract An electrochemical protocol for selective oxidation of sulphides to sulfoxides has been developed in which NaCl plays a dual role: 1) as an electrolyte for the electrochemical transformations; 2) as the redox mediator to avoid oxidation of sensitive functional groups.
CFPB Metrics Report Shows Increased Scrutiny of Borrower Access to Servicers, Information, and Loss Mitigation Opportunities
This GT Alert covers the following: CFPB report on mortgage servicing COVID-19 pandemic response metrics for May-December 2021; Report metrics: Servicing Portfolio, Call Metrics, COVID-19 Hardship Forbearance Enrollments, COVID-19 Hardship Forbearance Exits, Delinquency, Borrower Profiles; CFPB encourages mortgage servicers to enhance outreach to borrowers exiting forbearance and closely monitor data on borrower demographics and outcomes.
DOJ Issues Charges in First Criminal Cryptocurrency Sanctions Case
Last Friday, a federal Magistrate Judge in Washington, D.C. wrote an opinion, in a still sealed case, explaining why he approved a DOJ criminal complaint against an American citizen accused of transmitting more than $10 million worth of bitcoin to a virtual currency exchange in a comprehensively sanctioned country. There are five such countries comprehensively sanctioned by the US government Cuba, Iran, North Korea, Syria or Ukraine’s Crimea region.
Alabama Governor Kay Ivey Signs SB 272 Telemedicine Bill into Law
Alabama Governor Kay Ivey recently signed SB 272 into law, setting forth telemedicine practice standards and abolishing Alabama’s previous “special purpose license” that allowed physicians licensed in other states to practice across state lines into Alabama. The law is effective July 11, 2022. The law creates a new article in the Code of Alabama (Sections 34-24-701 through 34-24-707 of Chapter 24, Title 34). The statutory language is lengthy, but the key provisions are summarized below.
The LIBOR Act: 7 Key Things Financial Institutions Need to Know about the New Law in Preparation for the LIBOR Transition in 2023
Legal Disclaimer You are responsible for reading, understanding and agreeing to the National Law Review's (NLR’s) and the National Law Forum LLC's Terms of Use and Privacy Policy before using the National Law Review website. The National Law Review is a free to use, no-log in database of legal and business articles. The content and links on www.NatLawReview.com are intended for general information purposes only.
Hypervalent iodine promoted the synthesis of cycloheptatrienes and cyclopropanes
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Six Shifts Changing the Future of Media
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