The Consumer Financial Protection Bureau (CFPB) is set to propose a new initiative aimed at improving consumer access to live assistance when seeking help. This proposal is part of a broader effort to enhance communication between financial institutions and their customers. Additionally, the Federal Housing Administration (FHA) has finalized a rule intended to modernize its engagement with mortgagors who are in default, focusing on improving communication strategies to better serve this demographic. These regulatory changes reflect ongoing efforts to enhance consumer protection and streamline interactions between borrowers and lenders.