Form 8-K

8-K — ONITY GROUP INC.

Accession: 0001493152-26-047761

Filed: 2026-10-20

Period: 2026-10-20

CIK: 0000873860

SIC: 6162 (MORTGAGE BANKERS & LOAN CORRESPONDENTS)

Item: Regulation FD Disclosure

Item: Other Events

Item: Financial Statements and Exhibits

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8-K — form8-k.htm (Primary)

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UNITED

STATES

SECURITIES

AND EXCHANGE COMMISSION

Washington,

D.C. 20549

FORM

8-K

CURRENT

REPORT

Pursuant

to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date

of Report (Date of earliest event reported): October 20, 2026

onity

group inc.

(Exact

name of registrant as specified in its charter)

Florida

1-13219

65-0039856

(State or other jurisdiction

(Commission

(IRS Employer

of incorporation)

File Number)

Identification No.)

1661

Worthington Road, Suite 100

West

Palm Beach, Florida 33409

(Address

of principal executive offices)

Registrant’s

telephone number, including area code: (561) 682-8000

Not

applicable.

(Former

name or former address, if changed since last report)

Check

the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under

any of the following provisions:

☐

Written communications pursuant to Rule 425 under the

Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the

Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b)

under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c)

under the Exchange Act (17 CFR 240.13e-4(c))

Securities

registered pursuant to Section 12(b) of the Act:

Title

of each class

Trading

Symbol(s)

Name

of each exchange on which registered

Common Stock, $0.01 Par

Value

ONIT

New

York Stock Exchange (NYSE)

Indicate

by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405

of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging

growth company ☐

an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying

with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation

FD Disclosure.

October 20, 2026, Onity Group Inc. (“Onity” or the “Company”) issued a press release relating to the information

disclosed in Item 8.01, below. The press release is attached hereto as Exhibit 99.1.

The

information in this Item 7.01 and the related information in Exhibit 99.1 attached hereto shall not be deemed to be “filed”

for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject

to the liabilities of that Section, and shall not be incorporated by reference into any filing under the Securities Act of 1933, as amended,

or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 8.01 Other

Events.

October 20, 2026, Onity ﬁled a declaratory judgment action in the U.S. District Court for the Northern District of New

York seeking clarity on how a New York mortgage servicing regulation applies to optional expedited payment fees. The Company’s

request relates to the proper interpretation of certain language in the regulation that is not defined and with respect to which the

applicable regulators have not published interpretive guidance. As previously disclosed, Onity has received information requests from

regulators concerning its fee practices relating to borrowers who use certain optional payment methods, and the Company is presently

engaged in discussions with New York regulators.

Item 9.01 Financial

Statements and Exhibits.

(d)

Exhibits

Exhibit

Number

Description

99.1

Press

Release of Onity Group Inc. dated October 20, 2026

104

Cover

Page Interactive Data File formatted in online XBRL (included as Exhibit 101)

SIGNATURES

Pursuant

to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its

behalf by the undersigned, hereunto duly authorized.

ONITY GROUP INC.

(Registrant)

Date:

October 20, 2026

By:

/s/

Joseph J. Samarias

Chief Legal Officer

EX-99.1

Filename: ex99-1.htm · Sequence: 2

Exhibit

99.1

Onity Group Inc.

ONITY

GROUP SEEKS JUDICIAL CLARIFICATION OF NEW YORK MORTGAGE SERVICING REGULATION, ISSUES STATEMENT

West

Palm Beach, FL – (October 20, 2026) – Onity Group Inc. (NYSE: ONIT) (“Onity” or the “Company”)

today issued the following statement in conjunction with an action the Company filed in federal court seeking judicial clarification

of a New York mortgage servicing regulation governing optional expedited payment fees. The complaint asks the court to determine whether

the regulation provides the fair notice and objective standards required by the U.S. Constitution.

Statement

from Onity Group

“Today,

we filed a declaratory judgment action in the U.S. District Court for the Northern District of New York seeking clarity on how a New

York mortgage servicing regulation applies to optional expedited payment fees. The regulation permits fees if they are “reasonably

related to the cost of rendering that service,” but in the nearly seven years since it was adopted, that phrase has not been defined

in the rulemaking record, published guidance, or in response to our questions.

These

fees are entirely optional—no customer is ever required to pay them. Customers can pay in several ways at no cost, while those

choosing a faster option receive advance disclosure of the fee, notice of free alternatives, and are asked to consent before being charged.

We have voluntarily reduced these fees and eliminated them for online and automated phone payments.

Throughout

this process we have cooperated fully with the State and remain prepared to meet any clearly defined standard. Because that standard

remains undefined, we believe a court is the appropriate place to resolve the issue. We remain committed to complying with the law, engaging

constructively with our regulators, and treating our customers fairly.”

About

Onity Group

Onity

Group Inc. (NYSE: ONIT) is a leading non-bank financial services company delivering mortgage servicing and originations solutions through

Onity Mortgage Corporation. As one of the largest mortgage servicers in the country, we help consumers and business clients achieve their

homeownership and financial goals with a wide range of servicing and lending programs powered by a technology-enabled, customer-centric

platform. Headquartered in West Palm Beach, Florida, with offices and operations in the United States, the U.S. Virgin Islands, India

and the Philippines, we have been serving our customers since 1988. For additional information, please visit onitygroup.com or

onitymortgage.com.

For

Further Information Contact:

Investors:

Valerie

Haertel, VP, Investor Relations

(561)

570-2969

shareholderrelations@onitygroup.com

Media:

Dico

Akseraylian, SVP, Corporate Communications

(856)

917-0066

mediarelations@onitygroup.com

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