The state Independent Regulatory Review Commission is expected to approve new mortgage regulations Nov. 6. The regulations set requirements under a mortgage reform law passed earlier this year. The regulations establish a standard for lending and brokering mortgage loans in Pennsylvania and prohibit certain improper conduct during the mortgage loan process. The regulations require licensees to methodically analyze borrowers' ability to repay an offered mortgage loan and provide the borrower with disclosure statements about the terms of the loan that affect loan payments. For more information, please contact Grant Gulibon at 800-692-7339, ext. 3013, or at ggulibon@PaBuilders.org.