Tech
The tools and rules changing how property is bought and sold.
US mortgage AI denials: what the adverse action notice must say
When a model declines a home loan in the United States, federal law still asks for specific reasons. The clock, the content, the sample forms and where the CFPB circulars stand.
US electronic recording of deeds: URPERA, ESIGN and county rules
How a deed or mortgage reaches the public record electronically in the United States: the federal ESIGN Act, the state acts built on it, and what a recorder may accept.
US federal AVM rule: who it covers and what its five factors require
Since 1 October 2025 a federal rule has set quality control standards for automated valuation models in US mortgage lending. Who is covered, the five factors, and the gaps.
US fake review rule: what the FTC bans for real estate agents
A federal rule in force since October 2024 bans fake, bought and undisclosed insider reviews. How its six prohibitions read for US agents and brokerages, and what a violation can cost.
USA: when a home loan can close without a traditional appraisal
How Fannie Mae's value acceptance, its property data option, hybrid appraisals and Freddie Mac's ACE work in the United States: which loans qualify, the limits, and who gets what.
US housing algorithms: what HUD said on AI and what still applies
HUD's 2024 guidance on AI in tenant screening and targeted housing adverts, what the Fair Housing Act and its rules require in the United States, and where each document stands today.
US listing data rules: the 2008 VOW judgment and what followed
How United States multiple listing services let brokers show listings online: the 2008 federal judgment on virtual office websites, seller opt-outs, and the 2024 and 2025 changes.
USA: offering property tokens under Rule 506 and Regulation Crowdfunding
Once a US property token is a security, how is it offered? Rule 506(b), Rule 506(c) and Regulation Crowdfunding: who may buy, how much, which forms are filed and when.
US telemarketing rules for real estate agents: calls, texts and AI
Two federal agencies govern how a US agent may phone or text a prospect. The registry, the 31-day check, calling hours, consent, AI voices and penalties, explained.
USA: when is a real estate token a security under federal law?
A token tied to a United States building can be a security. The Howey test, the SEC interpretation in force since 23 March 2026 and the exempt offering rules, explained.
USA: reselling a property token under Rule 144 and the one-year rule
A US property token bought in a private or crowdfunding sale cannot simply be sold on. The federal holding periods, the exceptions, the legend and the transfer agent's part.
USA: what a property token holder owns under the SEC's three models
SEC staff sorted tokenised securities into issuer, custodial and synthetic models on 28 January 2026. What each gives a holder, read for a United States real estate interest.
USA: when a tokenised property pool is also an investment company
How the Investment Company Act of 1940 applies to a pooled US real estate vehicle that issues tokens: the 40% test, the real estate exclusion, private funds and the adviser question.
USA: how UAD 3.6 and the new URAR replace numbered appraisal forms
Fannie Mae and Freddie Mac are replacing their numbered appraisal forms with one dynamic report. The dates, the duties of each party and how the new report reads.
Victoria's estate agent conduct rules: duties, conflicts and complaints
What Victoria's professional conduct rules ask of estate agents: honesty, best interests, offers, confidentiality, the limits on buying a listed property and how a complaint is handled.
Western Australia's official property tools: titles, alerts, values
Landgate runs Western Australia's map viewer, title searches, interest report, title alerts and valuation extracts. What each one shows, what it costs and where it stops.
Australia: PropertyMe links agencies' own AI assistants to live data
PropertyMe's AiMe Connect lets Australian agencies question live property-management records from their own Claude or ChatGPT account. What was announced, and what it raises.
How a Fully Digital Property Sale Works in Dubai Through Dubai Now
The Dubai Land Department lists a sale route with no counter visit: four steps, an escrow account and an electronic title deed. Who qualifies, what it costs and where Dubai REST fits.
Dubai's VARA sets a minimum scope for reserve audits at licensed firms
A VARA circular of 6 October lists seven points every reserve audit must cover. It applies to all licensed firms in Dubai, the property token platforms among them.
How eClosings, eNotes and remote notarisation work in the United States
What Fannie Mae and Freddie Mac require before a United States mortgage can be signed, notarised and stored electronically, and why the sources count the states differently.