Who’s Really in Charge? White House Gains Power Over Formerly Independent Financial Regulators

A new executive order extends White House control over independent financial agencies like FHFA and CFPB. Learn how this shift could impact mortgage regulations, consumer protections, and real estate

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The Executive Order titled “Ensuring Accountability for All Agencies,” signed on February 18, 2025, extends presidential oversight to several independent agencies related to mortgages, banking, real estate, and title insurance. These agencies are now required to submit significant regulatory actions and budget proposals for White House review. The affected agencies include:

• Federal Housing Finance Agency (FHFA)
  Oversees Fannie Mae, Freddie Mac, and the Federal Home Loan Bank System, ensuring their financial safety and soundness.
• Consumer Financial Protection Bureau (CFPB)
  Protects consumers from unfair, deceptive, or abusive practices in financial services, including mortgages and banking.
• Federal Deposit Insurance Corporation (FDIC)
  Insures deposits at banks and thrift…