Compliance & Regulation

Some of the most popular contributors to National Mortgage News' Voices community weigh in on what they see coming in the next year for origination, servicing, technology and regulation.

From selling servicing rights along with the loans to issuing private-label securities, a host of strategies from the past could return to the market as a result of the new political climate and interest rate environment.

The Department of Justice has agreed to a settlement with a pair of Cincinnati banks accused of redlining African-American neighborhoods in four cities in Ohio and Indiana.

United Shore Financial Services, a Troy, Mich.-based lender, has agreed to pay $48 million to settle allegations that it violated the False Claims Act.

Proponents of "recap and release" misread the political risks and the depth of interest that key lawmakers have in determining the long-term future of Fannie Mae and Freddie Mac.

A Fidelity National Financial Inc. subsidiary is in final talks to pay as much as $65 million to resolve U.S. government accusations that it contributed to improper and fraudulent foreclosures after the 2008 credit crisis, according to a person familiar with the deal.

It's unclear how the new political environment will affect the platform's viability or how investors will view the securities issued on it. The next year could determine the project's success and role reshaping the secondary mortgage market.

Opus Bank has completed a $509 million securitization of its multifamily loans through a Freddie Mac-sponsored "Q-deal" risk-transfer securitization.

Rising interest rates typically squelch demand for refinancing, leaving lenders to compete for homebuyers' business. But plain-vanilla purchase loans aren't the only saleable products in this rising-rate environment. Here are five other products likely to find demand.

The Consumer Financial Protection Bureau faces a precarious and uncertain future in 2017 with all eyes focused on two questions: whether President-elect Donald Trump will attempt to fire agency director Richard Cordray and if Congress can successfully restructure the agency by changing its leadership and funding.