Worldwide: Charges, Mortgages, Indemnities

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.
Article
Washington Supreme Court Limits Remedy Of Nonjudicial Foreclosure To Holders Of Negotiable Instruments
The Washington Supreme Court's decision in Vargas v. RRA CP Opportunity Trust 1 fundamentally reshapes foreclosure remedies by requiring that only holders of negotiable instruments under the UCC can conduct nonjudicial trustee's sales. This ruling potentially eliminates nonjudicial foreclosure options for a wide range of commercial and residential debt instruments that fail to meet strict negotiability criteria, forcing lenders to pursue judicial foreclosure or alternative remedies.
United States Real Estate
AP
Arnold & Porter
Article
Connecticut Penalizes Unlicensed Mortgage Lead Generation Activity
Connecticut's Department of Banking has taken enforcement action against a lead-generation company for conducting mortgage lead-generation activities without proper state licensing, marking the second time the company has faced such allegations. The case highlights ongoing regulatory scrutiny of licensing compliance in the consumer financial services sector and the consequences of operating without required state authorizations.
United States Finance
SM
Sheppard, Mullin, Richter & Hampton LLP
Article
Basel III Endgame Evolution: Strategic Implications For Retail Banking
On March 19, 2026, the federal banking agencies issued a package of proposed changes to the regulatory capital requirements for banking institutions of all sizes, from the largest GSIBs and super-regional banks to community banks. This package of proposals (the “Proposed Rules”) is a second full attempt at implementing the 2017 “Basel III Endgame” international framework—following the agencies’ initial package of proposals in July 2023 (the “2023 NPR”)—to better reflect credit, trading and operational risk in the calculation of regulatory capital ratios.
United States Finance
ST
Simpson Thacher & Bartlett
Article
NAIC Spring 2026: What Insurance Investors Need To Know About CLO And Collateral Loan Capital Charges
The National Association of Insurance Commissioners (“NAIC”) held its 2026 Spring meetings in San Diego. The NAIC received updates from various working groups, including the RBC Investment Risk and Evaluation Working Group, Life RBC Working Group and the American Academy of Actuaries (“Academy”) on the proposals relating to capital charges (factors) for CLOs, Collateral Loans and other assets in order to refine and advance the regulatory framework governing capital treatment of such
United States Finance
D
Dechert
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