Loan Think

The Consumer Financial Protection Bureau should provide independent mortgage lenders with clear guidance on how to comply with rules and confirm that good-faith compliance with the bureau's directives will not result in enforcement actions and financial penalties

The technology giant and the federal government both have vested interests in protecting customer and proprietary information. Making concessions for any will set a dangerous precedent to make concessions for all.

Meaningful rules encouraging Fannie and Freddie to do more with manufactured housing would allow more lenders into the market and make pricing more competitive.

With the stakes so high for compliance officers, their rights and responsibilities should be clearly defined, including a safe harbor for those who play by the rules.

Lenders see their outfits growing where experts are predicting market decline, despite statistical dissonance. Having a plan to weather the downturn is the key to their growth.

Millennials are on the verge of becoming the largest cohort of homebuyers. If lenders want to gain and retain their trust, they must start by recruiting a younger, more diverse and gender-balanced workforce.

The cost of capital and regulatory compliance has convinced the top four banks that making home loans to American families is not worth the risk.

Despite the outcry prompted by lenders' commercials during Super Bowl 50, customer satisfaction surveys indicate borrowers are more than ready for the ease and convenience of digital options.

The Federal Home Loan Bank system is not a private country club and shouldn't be operating as one. Captive insurance companies represent new potential to expand homeownership opportunities for credit-worthy borrowers.

The Federal Home Loan Bank System was designed to provide liquidity to community lenders and traditional insurers, not to unregulated lenders that circumvent the membership rules.