https://unitedstatestribune.com/tags/cfpb/Recent content in CFPB on United States TribuneHugoen-usMon, 09 Nov 2026 01:12:25 -0500https://unitedstatestribune.com/politics/executive-order-14393/Mon, 09 Nov 2026 01:12:25 -0500https://unitedstatestribune.com/politics/executive-order-14393/<p>An executive order directs financial regulators to consider changes meant to widen access to mortgage credit, especially through community banks. The order, published in the Federal Register on March 18, 2026, was signed March 13, 2026, and is numbered 14393.</p> <p>The order says every American seeking to buy a home should be able to get a mortgage from a reliable lender at a rate matching that person&rsquo;s creditworthiness. It says statutory and regulatory changes over the past two decades, including rules adopted under the Dodd-Frank Act and later rulemakings, raised compliance costs for making and servicing mortgages and distorted the market. Those burdens, the order says, helped bring a sharp drop in how much banks take part in home lending.</p>https://unitedstatestribune.com/business/fixed-rate-and-adjustable-rate-mortgages-compared/Sat, 07 Nov 2026 04:39:01 -0500https://unitedstatestribune.com/business/fixed-rate-and-adjustable-rate-mortgages-compared/<p>A fixed-rate mortgage has an interest rate that stays the same for the life of the loan. An adjustable-rate mortgage, known as an ARM, has an interest rate that can change over time. The difference decides whether a borrower&rsquo;s rate can move after the loan begins. The Consumer Financial Protection Bureau (CFPB) explains the two types on its website.</p> <h2 id="how-a-fixed-rate-mortgage-works">How a fixed-rate mortgage works</h2> <p>According to the CFPB, the interest rate on a fixed-rate mortgage is set when the loan is taken out and will not change. Federal Reserve Consumer Help says the same thing in other words: the rate is locked in for the duration of the loan.</p>https://unitedstatestribune.com/business/how-mortgage-rates-work/Sat, 07 Nov 2026 02:38:58 -0500https://unitedstatestribune.com/business/how-mortgage-rates-work/<p>A mortgage rate is the interest rate on a home loan. It helps decide how much a borrower pays each month and how much interest builds up over the years. Small differences in the rate can add up to tens or even hundreds of thousands of dollars, according to the Consumer Financial Protection Bureau (CFPB).</p> <h2 id="fixed-and-adjustable-rates">Fixed and adjustable rates</h2> <p>The CFPB says a fixed-rate mortgage has an interest rate that is set when the loan is taken out and does not change. An adjustable-rate mortgage, often called an ARM, has an interest rate that may go up or down.</p>