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New Home Mortgage Disclosure Act data shows debt-to-income ratios have risen but also have been frequently cited among reasons for denials, suggesting lenders are becoming more cautious about this underwriting metric.
September 3
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Seeking to expand financial services access, tribal officials and some firms want regulators to award Community Reinvestment Act credit to any bank that funds projects in Native American communities.
September 2
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A final rule on residential appraisals published this month could save depositories time and money in the short term, but potentially increase collateral risk.
August 30
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The mortgage industry will be looking for answers when Treasury and HUD unveil reports on housing finance reform, but the Trump administration’s plans could also raise a whole new host of questions.
August 29
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From consumers straying from certain cities to regulations dictating how homes are built, here’s a look at how climate change is shaping the housing market.
August 29
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The second half of 2019 is a prudent time to examine the CRE market in the context of an inevitable slowdown, taking into account how the current landscape is impacting lending practices.
August 29
EDR Insight -
New York State regulators entered into a settlement with a hedge fund in a case of alleged unlicensed and predatory mortgage lending activity by Vision Property Management.
August 28
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The Treasury’s takeover of Fannie Mae and Freddie Mac left legacy shareholders holding the bag.
August 28
The Delaware Bay Company -
Though advocates and industry are rarely aligned, they are starting to coalesce around a plan that would call for the elimination of the CFPB’s 43% debt-to-income limit as part of its qualified mortgage rule.
August 27
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Wisconsin Republican Sean Duffy routinely pushed to restructure the Consumer Financial Protection Bureau and authored a bill to reform the flood insurance program.
August 26
