The Consumer Financial Protection Bureau (CFPB) is intensifying its oversight of personal lenders and taking action against discriminatory practices in the mortgage lending sector. Recent examinations by the CFPB have revealed fair lending risks associated with credit scoring models. The agency has initiated actions against several mortgage lenders, including a notable case against an Illinois mortgage lender for redlining violations. Additionally, the CFPB is investigating issues related to 'zombie' second mortgages and has plans to implement new rules aimed at improving access to funds for consumers. These efforts are part of a broader initiative to enhance consumer protection in the financial sector.