https://themortgagerecord.org/updates/ What changed on The Mortgage Record: new Library pages, Register assessments, and public corrections. en-us https://themortgagerecord.org/register/ 2026-09-16-Register growth round: 2 more originators checked, first under our winners-first sourcing change (6 total) Wed, 16 Sep 2026 12:00:00 GMT Two more individual mortgage loan originators assessed against our published standard — the first round sourced primarily by looking for well-regarded, trade-press-recognized originators rather than by starting from a disciplinary record. Neither resolved to a clean pass or a fail: one candidate turned out to carry a real state-regulator enforcement record that couldn't be independently corroborated to our 2-source bar for a fail finding, and the other showed no adverse record but couldn't be affirmatively confirmed clean against the primary licensing source either. As always, every applicable point is reported honestly rather than rounded toward a pass — see the Register for current totals and why a failing verdict is never named. https://themortgagerecord.org/library/ 2026-09-16-3 new Canada Library pages: filing a complaint, a national Code of Conduct, and advertising rules by province Wed, 16 Sep 2026 12:00:00 GMT How to file a complaint against a Canadian mortgage broker (Ontario and Quebec require a written brokerage response first; BC and Alberta route straight to the regulator), the Mortgage Broker Regulators' Council of Canada's national Code of Conduct — endorsed by nine of ten provincial regulators in February 2021, with adoption into an enforceable framework still varying by province — and how mortgage broker advertising rules differ across Ontario, BC, and Alberta in the absence of a federal Regulation N equivalent. https://themortgagerecord.org/library/ 2026-09-16-4 new Library pages: Canada's last two provinces, plus two US regulatory-framework deep-dives Wed, 16 Sep 2026 12:00:00 GMT How Newfoundland and Labrador's 2025 Mortgage Brokerages and Brokers Act replaced a 1990 law (with new E&O insurance and trust-account requirements), why Prince Edward Island is the one Canadian province with no mortgage broker licensing regime at all, ECOA's Regulation B adverse action notice requirement (a 30-day, specific-reasons rule for a denied applicant), and HOEPA's three independent high-cost mortgage triggers, which ban balloon payments, negative amortization, and all prepayment penalties once tripped. https://themortgagerecord.org/library/ 2026-09-16-4 new Library pages: two more Canada provinces, plus two US RESPA/SAFE Act deep-dives Wed, 16 Sep 2026 12:00:00 GMT How New Brunswick's FCNB licenses four mortgage broker categories (with a brokerage's financial security set case by case, not a fixed dollar figure), how Nova Scotia's 2024 Mortgage Regulation Act licenses five categories including the mortgage lender itself, the SAFE Act's two-tier felony background-check bar for US originators (a 7-year lookback for most felonies, a lifetime bar for fraud/dishonesty/breach-of-trust/money-laundering felonies), and the three-condition test that lets a RESPA affiliated business arrangement operate without becoming an illegal kickback. https://themortgagerecord.org/register/ 2026-09-16-Register growth round: 1 more originator checked (4 total) Wed, 16 Sep 2026 12:00:00 GMT One more individual mortgage loan originator assessed against our published standard, against a real state-regulator enforcement record (Michigan DIFS). Did not clear every applicable point. Two other candidates were investigated this round and deliberately not logged as full findings, on name-collision and single-source-corroboration grounds — see the Register for the current totals and why a failing originator is never named. https://themortgagerecord.org/library/cfpb-complaint-database-mortgage-explained/ 2026-09-16-Correction: our CFPB complaint database page described a feature the CFPB discontinued before we launched Wed, 16 Sep 2026 12:00:00 GMT Our standard and our CFPB complaint database explainer both described the database as searchable "with the consumer's consent" by narrative text. The CFPB announced on August 14, 2026 — a month before this site launched — that it stopped publishing consumer complaint narratives and data visualizations going forward. The company/product/issue/state/date search fields we describe elsewhere are unaffected. Both pages have been corrected, with a dated note left on the Library page itself. https://themortgagerecord.org/library/ 2026-09-16-3 more Canada Library pages: Ontario's full FSRA license structure, plus first deep-dives for Saskatchewan and Manitoba Wed, 16 Sep 2026 12:00:00 GMT How Ontario's FSRA actually licenses mortgage agents and brokers across four classes (Agent Level 1, Agent Level 2, Broker, Brokerage) and where the 2019 FSCO-to-FSRA handoff fits, how Saskatchewan's FCAA licenses four categories under a 2010 statute, and how Manitoba's Securities Commission registers a full mortgage broker (with a $100,000 surety bond) separately from a restricted mortgage broker (without one). https://themortgagerecord.org/library/ 2026-09-16-3 new Canada Library pages: provincial licensing deep-dives for BC, Alberta, and Quebec Wed, 16 Sep 2026 12:00:00 GMT British Columbia's move from the Mortgage Brokers Act to the incoming Mortgage Services Act (in force October 13, 2026, with a transition-education deadline for existing registrants on September 22, 2026), how Alberta's two-tier RECA mortgage associate/mortgage broker licensing structure works, and how oversight of Quebec's courtier hypothécaire certification moved from a real estate self-regulator to the AMF in 2020 — with its own exam-then-probation path now being revised for 2026. https://themortgagerecord.org/register/ 2026-09-16-Register growth round: 2 more originators checked (3 total) Wed, 16 Sep 2026 12:00:00 GMT Two more individual mortgage loan originators assessed against our published standard, both against real state-regulator enforcement records (Washington DFI, California DFPI). Neither cleared every applicable point. As always, we report failing results in aggregate only — see the Register for the current totals and why a failing originator is never named. https://themortgagerecord.org/library/ 2026-09-16-10 more Library pages: servicing transfers, escrow, force-placed insurance, table funding, SAR reporting, UDAAP, and manufactured housing Wed, 16 Sep 2026 12:00:00 GMT Eight new US explainers — mortgage servicing transfer notice rules, escrow analysis/shortage/deficiency limits, force-placed insurance disclosure requirements, who's liable on a table-funded loan, mortgage fraud SAR reporting duties, state MLO continuing-education and renewal requirements, the CFPB's UDAAP authority as applied to loan officers, and manufactured/chattel home lending's separate regulatory track — plus two new Canada explainers on mortgage broker errors & omissions insurance requirements by province and Ontario's FSRA continuing-education framework. https://themortgagerecord.org/register/ 2026-09-16-First Register assessment: 1 originator checked Wed, 16 Sep 2026 12:00:00 GMT The Register's first real round against our published standard: 1 individual mortgage loan originator assessed, 0 listed. As always, we report a failing result in aggregate only — see the Register for the current totals and why a failing originator is never named. https://themortgagerecord.org/library/ 2026-09-16-7 more Library pages: compensation rules, state bonding, HMDA data, rate locks, and Canada's federal/provincial split Wed, 16 Sep 2026 12:00:00 GMT SAFE Act federal registration vs. state licensing, the Loan Originator Compensation Rule's steering ban, how much state bonding/net-worth requirements actually vary, what HMDA data can and can't tell you about an individual originator, and rate-lock float-down and extension-fee practices, plus two new Canada explainers on the FCAC's actual jurisdiction and provincial mortgage broker conflict-of-interest disclosure rules. https://themortgagerecord.org/library/ 2026-09-16-3 Canada Library pages: how provincial mortgage broker regulation works Wed, 16 Sep 2026 12:00:00 GMT How Canadian mortgage broker regulation actually works (no federal NMLS equivalent), how to check a Canadian mortgage broker's license province by province, and whether a license in one province works in another. Library-only, comparative explainer content — not a Canadian Register category. https://themortgagerecord.org/library/ 2026-09-16-10 US Library pages: the foundation Wed, 16 Sep 2026 12:00:00 GMT How to verify your loan officer's NMLS license, what RESPA Section 8 actually prohibits, the TRID disclosure timeline, what the CFPB complaint database does and doesn't show, mortgage broker vs. loan officer vs. correspondent lender, VA loan churning and the IRRRL, the HECM counseling requirement, how to file a complaint, non-QM lending and the ATR/QM rule, and deceptive mortgage advertising under Regulation N. https://themortgagerecord.org/standard/ 2026-09-16-The Mortgage Record launches Wed, 16 Sep 2026 12:00:00 GMT A published standard for individual mortgage loan originators — US and Canada from day one — tied to NMLS licensing verified through NMLS Consumer Access, RESPA Section 8 anti-kickback compliance, TILA/Regulation Z TRID disclosure timing, and Regulation N advertising rules, plus a public Register that will report findings honestly, with no paid placements and no pay-to-list badge.