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Legislative Updates
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Here you will find information and resources in regards to rules and legislation affecting the escrow industry. The AEA Member States' section links directly to legislative information on each association's website (where available) including a link to search tools to research or view specific legislation in those states.

For national legislation, House and/or Senate information and other related links, click here to access  Congress' website.

To view Congress' House Calendar 2018, click on the calendar graphic below the tentative schedule. The following list identifies days the Senate is not expected to be in session:

Non-Legislative Days (no session)/Tentative Schedule

Date Action Note
Jan 3 Convene
Jan 20 - Jan 23 State Work Period Martin Luther King Jr. Holiday - Jan 15
Feb 20 - Feb 24 State Work Period Presidents' Day - Feb 19
Mar 26 - Mar 29 State Work Period Passover - March 30
Apr 2 - Apr 6 State Work Period

May 1 - May 4

May 29 - June 1

State Work Period Memorial Day - May 28
Jul 2 - Jul 6 State Work Period Independence Day - Jul 4
Jul 30 - Aug 31 State Work Period Labor Day - Sep 3
Sep 17 - Sep 21 State Work Period Columbus Day - Oct 8
Oct 15 - Nov 9 State Work Period
Nov 19 - Nov 23 State Work Period Thanksgiving Day - Nov 22
Dec 17 - Dec 31  State Work Period Christmas Day - Dec 25




To view Congress' House Calendar 2018, click on the calendar graphic above.

AEA Member (Chartered) States

Member State      
Website Legislation Lookup
 Arizona  Home Page  Search AZ Legislation
 California  Legislation Page  Search CA Legislation
 Colorado  Home Page  Search CO Legislation
 Hawaii  NA  Search HI Legislation
 Nebraska  Home Page  Search NE Legislation
 Nevada  Home Page  Search NV Legislation
 Oregon  Home Page  Search OR Legislation
 Washington  Home Page  Search WA Legislation

TRID Tidbits

TRID: The "Know Before You Owe" mortgage disclosure rule. Click here to access the TRID Tidbits page.

For additional information about TRID, the Consumer Protection Financial Bureau provides a variety of resources. Follow this link to access their website.

Other Related Items of Interest


February 12, 2018
The Administration Reins in the CFPB with new approach to the job.
Budget deal reached  - wildfire and real estate tax extensions.
National insurance and tax relief

Read more.


February 2, 2018

DC Court of Appeals Hands Down an enBanc Decision in PHH v CFPB

 Majority Decision (Pillard, Tatel, Millet, Srinavasan, Wilkins, Rogers, Griffith): 

The en banc majority reinstated the panel's decision on the interpretation of RESPA and its application to PHH and Atrium in this case.  For a copy of the enBanc decision, click here.

However, the majority also held that Dodd-Frank's "for-cause" tenure protections for the CFPB Director are constitutional and do not impermissibly limit the President's removal power. 

Read more.


December 12, 2017

Update on Washington DC Developments

Tax Legislation-Final Passage of the tax bill that has passed both the House and Senate is now likely for next week, with votes probable  Monday-Wednesday (12/18-20).

Read more.


September 25, 2017


FinCEN Advisory 2017 – 3


On Friday, September 22, 2017, Art Davis, AEA's Washington DC Representative met with Kevin Bell, the key Financial Crimes Enforcement Network  (FinCEN) staffer handling its Geographical Targeting Orders including the recent addition of wire transfers.


FinCEN is a bureau of the United States Department of the Treasury that collects and analyzes information about financial transactions in order to combat domestic and international money laundering, terrorist financing, and other financial crimes.

Art discussed details of the most recent “FinCEN Advisory 2017 – 3,” which provides guidance to escrow settlement agents and all other real estate professionals concerning reporting provisions of the Anti-Money Laundering Program that originated with the USA PATRIOT ACT. 


Their discussion revealed how this part of the Treasury Department views and applies its authority to require reporting on specified residential real estate transactions. FinCEN’s authority is currently applicable only to Title Insurance Companies but could and may be extended to escrow, brokers or others.


Soon, Art will be briefing the AEA Executive Board further on this important meeting.



May 24, 2017

Attorneys Update AEA on PHH v CFPB

Today, AEA DC Representative, Arthur Davis attended a briefing given by the litigating attorneys responsible for the Amicus Brief filed by AEA and other industry trade associations in support of PHH Corp in its battle with the Consumer Finance Protection Bureau. 

The AEA amicus brief in support of PHH was among others also filed in support by the likes of The Chamber of Commerce of the United States of America, the American Bankers Association, American Financial Services Association, Consumer Bankers Association, Mortgage Bankers Association, Housing Policy Council of the Financial Services Roundtable, Real Estate Services Providers Council, ACA International, The Cato Institute and the Attorneys General of Missouri, Alabama, Arizona, Arkansas, Georgia, Idaho, Indiana, Kansas, Louisiana, Nevada, Oklahoma, South Dakota, Texas, West Virginia, and Wisconsin.

The attorneys told the audience there are two main points at issue:

Read more.


March 3, 2017
AEA Joins 12 Other National Organizations in Filing a "Friend of the Court" Brief 

Today, AEA joined with 12 other national organizations involved in the real estate industry asking the Washington DC Court of Appeals to curtail CFPB's latitude in the administrative law arena and to apply a fair notice standard for changes in agency interpretation of statute. The key issue is statutory handling by CFPB of section 8 of RESPA which has always been the one federal provision with money penalties that could impact an escrow company and/or agents. 

Read the full amicus brief here.


February 3, 2017
AEA Member Alert: Trump Executive Order to Unwind Dodd-Frank
President Trump issued an Executive Order today, 2/3/17, that will lead to major changes in the regulation of financial services providers across America.  It calls for a 120 day review of existing laws and regulations.  So the future of the Dodd-Frank law and the CFPB, among many other matters, will not be decided immediately but rather over time. 
It is important to note that the Order does not change the actual authority of the CFPB to pursue cases against persons covered by Dodd- Frank including settlement agents.  In fact, it does not appear to directly target matters such as disclosures at all.

Read More.


January 11, 2017

There is concern from within the mortgage insurance industry that Trump's administration will reverse the recently announced Department of Housing and Urban Development (HUD) cut in FHA mortgage insurance premiums.

Read more.

For legislative updates published in 2016, click here.

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