January 2026
Ready for the New Year, Focus on Compliance & Key Industry Events
We have turned the calendar to 2026 and our industry is doing what it does best: adjusting, adapting and planning for what’s next. While volume remains constrained and affordability pressures haven’t disappeared with the new year, lenders and servicers have entered the new year with a clearer sense of where the market stands and how sharper execution can make the biggest difference. It’s less about reacting to change or hoping for the long-awaited rate cut that reignites mortgage demand, and more about innovating and being ready for 2026.
This month’s newsletter brings into focus our 2025 Compliance Review, highlights of key regulatory shifts and enforcement trends and state-level activity that shaped 2025 and other items that will continue to define 2026. You’ll also find a deep dive into the role Covius plays in auto finance. Including how our compliance, document and borrower communication expertise helps auto lenders manage the default complexity of borrower communications at scale. Finally, we’re looking ahead to key industry events, including AFSA and MBA Servicing and what conversations we expect will dominate the halls.
Pete Pannes
Chief Business Officer
2025 Regulatory and Legislative Review & 2026 Outlook
The compliance landscape didn’t slow down in 2025; it shifted. Covius’ annual Regulatory and Legislative Updates report breaks down the most significant federal and state-level developments impacting lenders and servicers, with a forward-looking view of what to expect in 2026. From evolving CFPB dynamics to increased state enforcement and litigation trends, this report delivers clear, actionable insight to help you stay compliant.
The Pivotal Role Covius Plays in Auto Finance
Rising delinquencies, increased state-level scrutiny and highly variable repossession rules are putting new pressure on auto lenders and servicers. In this article, Covius experts share how our fully managed compliance and document services model is helping auto finance organizations reduce risk, scale efficiently and maintain consistency across all 50 states.
Need Subservicing Review & QC Support This Year?
Clayton Servicing Oversight offers the QC support you need to ensure your subservicers are in compliance. From accurate onboarding of data and document integration to follow-through and validation of remediation plans, the Clayton Servicing Oversight team has the knowledge and experience to ensure your subservicing relationships are successful and compliant.
Email Tom Coffey or Pete Butler to learn more about Clayton’s QC support.
Let’s Connect in February!
Like many of you, Covius is already hitting the road for this year’s conference season, attending several of the industry’s most important events next month. From February 1–3, we’ll be part of the AFSA Vehicle Finance Conference & Expo in Las Vegas, where auto finance leaders will come together to discuss risk management, regulatory change and operational efficiency.
Right on its heels, we’ll be attending the MBA Servicing Solutions Conference & Expo, February 16–19 in Grapevine, Texas—the premier forum for mortgage servicers navigating portfolio performance, compliance and borrower engagement.
Then, you can find us again in Las Vegas February 23-26 for SFVegas 2026 to explore the trends, challenges, and opportunities shaping securitization, lending and capital formation.
Whether you’re focused on compliance, operational resilience, tech-enabled servicing strategies or the structured finance ecosystem, these events are top opportunities to meet, learn and explore what’s ahead in 2026. Stay tuned for our updates from the floors and panels and schedule a meeting with us for while we’re there.
