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Voices

Biased housing finance practices perpetuate the wealth gap between whites and communities of color.
Economic growth and lasting positive change within the mortgage industry require carefully considered strategy and close analysis of potential scenarios, not hastily-conceived executive orders.
The mortgage lending industry may not yet be ready to share the market with marketplace lenders, but their choices are slim: Either get on board or get out of the way.
Rising mortgage balances and home prices in Home Mortgage Disclosure Act data will be heartening for consumers that want to sell, but reflect challenges for those who want to buy.
The government-sponsored enterprises should target their affordable housing efforts to strengthening the single-family market, rather than investing in private equity giants.
Mortgage lenders afraid to enter into any kind of marketing services agreement should look not to what the Consumer Financial Protection Bureau has laid as guidance, but what it has left unsaid.
Stringent regulations put in place after the recession have been unevenly enforced across the industry, to the detriment of small financial institutions. Here's hoping that changes with the new administration.
The federal government needs to recognize Ginnie Mae's importance to the housing industry and divorce its funding and oversight from the Department of Housing and Urban Development.
An explicit government guarantee of Fannie Mae and Freddie Mac is imperative to reform the secondary market, but needs be carefully circumscribed — covering only the securities and invoked only after multiple, significant layers of private capital have been exhausted.
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.
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