New policy framework aims to replace state-by-state regulations that mortgage tech leaders say cause implementation delays.
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The Trump administration's artificial intelligence policy framework outlines six priorities and calls for establishing a single federal standard to govern AI applications across industries, including mortgage technology.
Mortgage technology leaders have cited significant delays caused by the current patchwork of state-by-state regulatory requirements, which force companies to navigate different compliance standards across multiple jurisdictions.
The proposed federal framework could streamline AI implementation in mortgage origination, underwriting, and servicing processes by eliminating the need for companies to adapt their technologies to varying state regulations.
Industry stakeholders suggest that unified standards could accelerate the adoption of AI tools for loan processing, risk assessment, and customer service while maintaining consumer protections through consistent oversight mechanisms.
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