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🐐 Title Underground: ITIN Nightmares, Foreclosure Changes, a Boat Load of Regulatory Updates 23-Feb-2025
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Title Underground

🐐 Title Underground: ITIN Nightmares, Foreclosure Changes, a Boat Load of Regulatory Updates 23-Feb-2025

The Title Industry News, Stories, Events, Resources and Podcasts You Won't Find Anywhere Else

Cheryl.wtf's avatar
Cheryl.wtf
Feb 23, 2025
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🐐 Title Underground: ITIN Nightmares, Foreclosure Changes, a Boat Load of Regulatory Updates 23-Feb-2025
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🐐 Join Community | 🔔 Subscribe | 🛒 Shop Easy Kits / Merch | 📢 Be a Sponsor

Hi, I’m Cheryl, your guide to the Title Underground. Each week, I curate the most important news, insights, and resources—so you don’t have to. Just scan the headlines and dive into what matters most to you!

Inside this Edition:

  • Title Archive: Educational Resources

  • Underworld Intel: Must-Read Articles & Resources

  • Announcements

  • Regulatory & Policy Updates

  • Tips

  • AI, Automations other Tech for Title Insurance

  • Events

  • A Wicked Sense of Humor: Sunday Funnies

Don’t miss a thing, be sure to click at the end of your email to read the rest of the newsletter!


Title Archive: Educational Resources

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  • 🐐Streamline Your Process: How to Order a Mortgage Payoff Efficiently

  • 🌍 Foreign Tax CPA: ITIN Nightmares: How Title Companies Can Prevent Foreign Seller Closing Disasters

  • 📄The Impact of Senior Lien Foreclosures on Non-IRS Junior Federal Liens


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Underworld Intel: Must-Read Articles & Resources

  • 📰Oklahoma has launched a grant program that’ll allow up to $10,000 per household for qualified applicants looking to harden their homes with a roof certification

  • 📄What’s Next for the Title Industry? Key Trends for 2025

    • Mortgage demand for new homes is down 6% in the past year

  • 🎥Lawyer Reveals Biggest Real Estate Scams in 2025

  • 🎙️Turning Real Estate Reviews and Events into Transactions with Lori Chamberlain and Lisa Connors

  • 📄 The Silver Tsunami: Its Impact on the Housing Market


Announcements

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Regulatory & Policy Updates

📢Special Reports

  • 🐐Who’s Really in Charge? White House Gains Power Over Formerly Independent Financial Regulators: A new executive order extends White House control over independent financial agencies like FHFA and CFPB. Learn how this shift could impact mortgage regulations, consumer protections, and real estate market stability. Read the full analysis.

  • 🐐New Executive Order Targets Banking Oversight: Deregulation’s Potential Impact on Real Estate: A new executive order reduces federal oversight of banking and mortgage regulations, eliminating key advisory councils. Learn how these changes could impact real estate transactions, mortgage lending, and title insurance professionals. Read the full analysis.

  • 🪄Update Feb 2025: FinCEN Beneficial Ownership Interest Reporting (BOI) - It's Back On (Most title agencies are exempt)

Federal Agencies

  • HUD/FHA

    • 📰DOGE claims to have ‘recovered’ $1.9B in ‘misplaced’ HUD funds

    • 📰HUD, FHA staffing cuts would undermine housing, union warns

      • HUD Could Cut Staff by Up to 50% in DOGE Purge

      • Massive FHA cuts would create dysfunction for mortgage industry, homeowners: ex-official

      • Functions of HUD Offices Targeted for Mass Firings

        • Civil Rights Enforcement

          • Investigates housing discrimination under the Fair Housing Act

          • Issues charges against violators

        • Housing Market Research and Data Collection

          • Collects and analyzes housing data

          • Supports policy development and program improvements

        • Disaster Recovery

          • Provides long-term recovery aid for disaster-affected communities

          • Distributes disaster recovery grants (CDBG-DR)

          • Supports FEMA and connects disaster victims with housing resources

  • CFPB

    • 📰Legal experts weigh in on the CFPB and the future of regulation

    • 📰Baltimore files lawsuit to stop shutdown of CFPB.

      • Joined by 22 states & DC attorney generals.

      • NY Attorney General joins coalition against CFPB shutdown

    • 📰Warren, Schiff demand DOGE be removed from CFPB

    • 📰Judge agrees to immediately halt further CFPB firings

    • 📰Lawsuit says CFPB's acting director, Russell Vought, was illegally appointed

Other Policy Changes and Impacts on Real Estate

  • 📰Foreclosure starts spike 30% as VA lifts foreclosure ban

  • 📰Fannie Mae cuts mortgage forecast as uncertainty persists

State Specific

  • 📰Massachusetts AG sues Hometap over ‘illegal reverse mortgage’

  • 📰Hawaii bill seeking state-run reverse mortgage program appears dead for now

State Level Regulatory Updates

  • The Oregon state senate’s Committee on Housing Development held a hearing last week on a piece of proposed legislation that seeks to limit the amount of equity a reverse mortgage lender can receive after the sale or transfer of a property.

  • Pennsylvania License Clarification and Modernization (effective Feb 12, 2025)

  • Rhode Island will allow the Title license class to be appointed and terminated electronically (effective Feb 14, 2025)

  • Rhode Island is updating its appointment expiration dates on the Producer Database effective Jan. 15, 2025. The current date of March 1, 2026 will be updated to Jan. 1, 2026 and all future 2025 appointments will automatically update to that date going forward.

  • Illinois Switching to In-Person Licensing Exams Only (effective Jan 17, 2025)

  • Louisiana Department of Insurance (LDI) reminds agents of Tittle 22 requirements (Sept 2024)

  • Alabama Amends Title Insurance Renewal Procedures (effective Oct 1, 2024)

  • Maryland issued a bulletin to notify all title insurers, title insurance agencies, and title insurance producers writing title insurance in Maryland of relevant code changes (April 2024)

  • Application of Utah Title Insurance Laws to Affiliated Title Insurance Businesses (March 2024)


📢TIP: Can’t wait till Sunday?

There is a continuous industry newsfeed on the website.


Streamline Your Operations Today!

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AI, Automations other Tech for Title Insurance

  • 🐐Steal my upcoming AI Guide for Your Own Marketing

  • 📄Deepfake Dangers: How AI Trickery Is Targeting Real Estate Transactions

  • 📄AI-Powered Solutions for Title Agents: How AI Can Transform Your Title Agency

  • 📄Qualia Shield Just Got Stronger: New Features & Insurance Coverage

  • 📄Qualia Acquires RamQuest and E-Closing from Old Republic


Wicked Title Forum is a reader-supported publication. To receive full access to the archive & knowledge base and support my work, consider becoming a paid subscriber

🐐 Join Community | 🔔 Subscribe | 🛒 Shop Easy Kits / Merch | 📢 Be a Sponsor


Upcoming Title Industry, Real Estate Industry, and Mortgage Industry events for education, networking, and business development…

February 2025

  • WOMEN IN REAL ESTATE INVESTING

  • Real Estate Talk Studio City

  • What's New in Commercial Real Estate

  • AI Adoption within CRE – Industry Impact and Current Data

  • Luxury Real Estate Summit 2025

  • EMPOWERING Women in Commercial Real Estate - CRE Growth & Training

  • The Future of PropTech: Trends Reshaping Real Estate in 2025

Upcoming Title Industry Events 2025

Upcoming Title Industry Events 2025

Cheryl.wTf, Business Witch
·
November 2, 2024
Read full story

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Stay Wicked,
Cheryl

P.S. Checking hundreds of blogs, podcasts, YouTube Channels, and Social Media outlets each week is time consuming. Creating articles, guides, forms, ebooks & manuals is time consuming. I'm doing the hard work that helps you run your business and stay on top of emerging issues, so you don't have to. I'm not a subsidiary of an underwriter, or staff at a big software firm.

I'm one person, doing what I love, for an industry that I love and I need your support so I can keep doing it.

So please, if you find value in what I'm doing here, consider becoming a subscriber to show your support. You'll also receive a ton of perks such as unlimited access to all articles, resources, event directories, tutorials, guides, downloadables and more.

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**DISCLAIMER**

The information provided here is for general guidance and educational purposes only. I am not an attorney and am not giving legal advice. Information should not be considered legal, underwriting, or financial advice and is followed at your own risk. Readers should consult with their attorney and/or underwriter to obtain advice tailored to their specific circumstances.

Some outbound links may financially benefit me and the page through affiliate programs. The affiliate relationship doesn’t influence my opinion, and I would never endorse programs, products, or services I didn’t use, approve of or feel familiar with. So If you use it, I will get compensated — but there’s no additional cost to you.

Wicked Title Forum is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.

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🐐 Title Underground: ITIN Nightmares, Foreclosure Changes, a Boat Load of Regulatory Updates 23-Feb-2025
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How to Use the MERS System to Obtain Mortgage Payoffs and Clear Title Liens
Understanding how to utilize the Mortgage Electronic Registration System (MERS) is essential for title insurance agency employees.
Jan 29 • 
Cheryl.wtf
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How to Use the MERS System to Obtain Mortgage Payoffs and Clear Title Liens
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🐐Title Underground: Hoppy Easter! Special Deal Extension, and LLC Mania! 20-April-2025
The Title Industry News, Stories, Events, Resources and Podcasts You Won't Find Anywhere Else
Apr 20 • 
Cheryl.wtf

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🐐Title Underground: Hoppy Easter! Special Deal Extension, and LLC Mania! 20-April-2025
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Navigating Closing Day: Bring Down Searches for a Flawless Finish
🐐 Join Community | 🔔 Subscribe | 🛒 Shop Easy Kits / Merch | 📢 Be a Sponsor
Feb 26 • 
Cheryl.wtf
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Navigating Closing Day: Bring Down Searches for a Flawless Finish
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