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White Paper Improved Opportunities for Bank-CDFI Partnerships Under New CRA Rules

December 11, 2024
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Insights
Significant changes to the Community Reinvestment Act (CRA) are set to take effect in 2026. The new rules will make purchasing CRA-eligible loans from a Community Development...
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Treasury's responsible lending standards are good for mortgage lenders

October 7, 2024
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Insights
The Treasury's Responsible Lending Standards (RLS) represent a crucial step toward fostering fair, sustainable lending practices.
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Change Lending and Framework Homeownership Launch CDFI-Compliant Course for Future Homebuyers

September 19, 2024
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Press
Change Lending and Framework® Homeownership are proud to announce the launch of the Change Lending’s Future Homebuyer Course
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Treasury reaffirms important regulatory exemptions for CDFIs

September 6, 2024
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Insights
The United States Department of Treasury recently adopted new rules for Community Development Financial Institutions (CDFI).
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Change Lending Names Madison Simm Chief Financial Officer

June 25, 2024
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Press
Change Lending is pleased to announce the appointment of Madison Simm as its Chief Financial Officer. Madison brings a wealth of experience and a proven track record of success of
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Private equity and insurance companies piling into residential mortgages

May 21, 2024
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Insights
Private equity and insurance companies are diving back into residential mortgages, driven by strong macro factors and federal support! Discover how these investments are reshaping
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An Assessment of Lending to LMI and Minority Neighborhoods and Borrowers

May 10, 2023
The CRA requires banking regulators to “assess the institution’s record of meeting the credit needs of the entire community, including low- and moderate-income neighborhoods
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Treasury Makes Shocking Decision to Exclude Disabled Americans from CDFI Program

April 19, 2023
In a shocking decision, the Department of the Treasury’s Community Development Financial Institutions Fund (the “CDFI Fund”) has denied a Community Development
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It's time for FHLB Banks to pursue their mission

January 12, 2023
Sandra Thompson and the Federal Housing Finance Authority (FHFA) should be applauded for questioning the Federal Home Loan Bank banks (FHLB Banks) they oversee about their level
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CFPB's QM rule under scrutiny after dust-up over bank statement loans

December 19, 2022
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CDFI Seeks to Restrict Lending to Minority Borrowers

December 14, 2022
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Non-QM Lenders Must Update Underwriting Practices to Meet CFPB Regulations

November 28, 2022
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The Change Company CDFI LLC (“TCC”) is a state-licensed mortgage lender, NMLS ID #2486868. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite D, Anaheim, CA 92808. AZ: Mortgage Banker License – 1048687; CO: Registered Colorado Mortgage Company – Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage License #2486868; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206(3) & (4); NJ: Residential Mortgage Lender License – Licensed by the N.J. Department of Banking and Insurance; OH: Residential Mortgage Lending Act Certificate of Registration #RM.805169.000; RI: Rhode Island Licensed Lender #20234678LL; All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. Not all programs are available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. THE CHANGE COMPANY CDFI, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2025. The Change Company CDFI, LLC. All rights reserved.