Christopher Whalen
ChairmanChristopher Whalen is chairman of Whalen Global Advisors LLC and publishes the Institutional Risk Analyst blog.
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Simply stated, the federal forbearance of mortgage payments is perhaps the largest unfunded public mandate in American history.April 1 -
A number of proposals have been floated for debt payment holidays and other types of moratoria, but such approaches offer solutions that are worse than the problems.March 19
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With the return of volume and profitability to mortgage lending, it is no surprise that commercial banks are coming back to the market.March 11
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To paint nonbanks as a source of systemic risk, particularly given the track record of commercial banks in causing the 2008 subprime mortgage fiasco, seems absurd.February 7
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The fact that the more operationally skilled nonbanks have come to specialize in government mortgages is hardly surprising if you assess the cost to originate and service these loans.January 13
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For the private-label mortgage-backed securities market to grow, regulators need to focus on collateral management in addition to changes to data disclosure rules.November 25
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As tenant advocates press for even more restrictive rules for rents and capital improvements to support asset values, look for the flow of investment into multifamily real estate to dwindle.October 29
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For the mortgage industry, the question of whether the Fed can control its target range for interest rates is crucial for managing volatility.October 16
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The Trump administration's thinking on housing is filled with conflicts and contradictions, a quilt work of at times irrational proposals that seem to be at odds with the real world of mortgage finance.October 2
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Whether Congress and/or the mortgage industry is able to untangle two opposing threads in the Trump administration's plans is anyone's guess.September 12
