Compliance & Regulation

Lenders may think they know enough about the dangers QM can bring. But there are other parts of the rule they are not focusing on yet that they should be concerned about.

The Federal Reserve in two adverse scenarios will gauge bank resilience against declines in the prices of high-risk, high-yield loans and debt and some high-priced real estate markets around the country.

Efforts to adjust to new market demands and comply with a heavily regulated mortgage lending marketplace involve anything from massive layoffs to speeding up loan processing automation.

The new underwriting tool could make it safer to originate higher-priced loans.

The deal will include $245 million of securities that Fitch Ratings plans to assign BBB- rankings.

The mortgage insurer is in settlement talks to resolve the dispute over Countrywide originations which have gone into default.

Another big law like Dodd-Frank could be harmful to the mortgage market, but an incremental approach to housing finance reform might be the perfect solution.

The FHFA is squeezing banks to repay losses that taxpayers were forced to cover because financial institutions sold faulty mortgage bonds to Fannie Mae and Freddie Mac.

Accurate documentation and reasonable conclusions regarding current market property value are important given that there is more regulatory uncertainty on the horizon.

This case underscores the continuing trend of the agency to look past agreements to examine the true substance of the transactions at issue.