Loan Think

The new presidential administration has signaled its aim is to pass legislation altering the Consumer Financial Protection Bureau's governing and funding structures, rather than do away with it altogether.

Despite claims that digitizing the mortgage process will require less human capital, consumer desires for people on the other end of the phone or computer will keep mortgage loan officers in demand for the foreseeable future.

Appraisal management companies must self-regulate their prices unless they want the government to do it for them.

In order to address lenders' issues with mortgage servicing rights financing, the industry needs to reconsider its typical securitization structures.

The Office of the Comptroller of the Currency could make the Community Reinvestment Act’s spirit relevant in a digital age so long as it builds the right framework for chartered fintech companies.

If the U.S. Court of Appeals for the District of Columbia rules on party lines, the current structure of the Consumer Financial Protection Bureau will remain intact.

Nonbank servicers should proactively ask for guidance on the Consumer Financial Protection Bureau's muddled private-label servicing policies, as they are likely to soon be under scrutiny.

The persistent opposition to the Consumer Financial Protection Bureau — which has been fierce since day one — has been puzzling, and has been cloaked in misleading arguments about the structure of the agency.

New approaches to credit scoring lower the standard of the criteria required to receive a mortgage loan, at greater risk to the industry.

In hindsight, the U.S. Treasury's support of Fannie Mae and Freddie Mac was structured in a way that proved to be counterproductive.