Executive Order to Promote Access to Mortgage Credit

On March 13, 2026, President Trump issued an Executive Order (EO) entitled, “Promoting Access to Mortgage Credit”. The EO called out regulatory changes over the past 20 years that have effectively increased the costs associated with mortgage origination and servicing, as well as, decreasing the number of banks participating in the mortgage lending space. The EO seeks to promote mortgage credit by easing the regulatory burdens placed on community banks ($30 billion or less in assets) and “smaller banks” ($100 billion or less in assets).

To achieve this the EO calls for changes to the requirements related to Ability to Repay (ATR)/Qualified Mortgage (QM), TILA/RESPA Integrated Disclosure Rules (TRID), mortgage servicing, right of rescission, HMDA data collection and reporting, appraisals and a lot more.

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Published 2026/03/18
Amy Kudlacek

Amy Kudlacek

Amy brings many years of banking and compliance experience to Banker’s Compliance Consulting. She has worked for both large and small financial institutions and spent time working in every area of a bank. She started out as a teller in college and eventually became a branch manager. Her love, however, was always compliance. Amy began her career with Banker’s Compliance Consulting in 2000. Her knowledge and experiences have allowed her to develop a well-rounded and practical approach to regulatory compliance. Amy is CRCM certified, has a Bachelors Degree in Business Administration and is a graduate of the ABA Compliance School. Amy & her husband have two children at home and stay busy following their activities. They spend a lot of time in the bleachers!

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