Compliance & Regulation

National Mortgage News readers share their views on the most pressing mortgage and housing topics of the month. Comments are excerpted from reader response sections of NationalMortgageNews.com articles and our social media platforms.

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.

The Chicago, Des Moines and Cincinnati FHLBs have grown their life insurance company membership the most in recent years.

Low borrowing costs and rising home values are just two of several reasons why owning a home is far less burdensome than it was a decade ago.

Investors continue to demand additional yield for exposure to defaults on loans insured by the Fannie Mae.

Fannie and Freddie have been selling pools of delinquent mortgages at auction to the highest bidders. Community groups say the Federal Housing Finance Agency should be giving preferential treatment to nonprofits and community development financial institutions.

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 Housing Administration will continue to charge borrowers an annual premium over the entire life of the loan, rejecting calls from some housing advocates to change how it’s calculated.

Morgan Stanley agreed to pay $3.2 billion to end a joint federal-state investigation into its handling of mortgage-backed securities, the fourth deal to be struck in a probe of the big U.S. banks' role in the subprime mortgage meltdown and the financial crisis it spawned.

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.