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The proposal would require the government-sponsored enterprises to craft resolution plans similar to regulations imposed on the largest U.S. banks.

Theodore “Teddy” Flo is the chief legal officer at Zest AI.

Mortgage applications increased 0.8% from one week earlier, an indicator of the housing market’s strength as this year comes to an end, according to the Mortgage Bankers Association.

Jennifer Sumiec is a Licensed Professional Counselor and Certified Employee Assistance Professional and has a Master’s degree in Health Psychology. She is a seasoned Employee Assistance professional with 20 years of experience working for Empathia. and as an independent consultant. Empathia has been helping organizations and individuals to be their best for over 35 years. The company began in 1982 as an internal employee assistance program (EAP) for a regional medical center and now provides highly customized and successful behavioral health, student support and crisis management programs to companies across the globe. For more information, visit www.empathia.com.

While it's no silver bullet, automation with careful monitoring and testing can help lenders eliminate racial bias toward potential borrowers, the developers say.

Ray Baumruk is vice president of employee experience research & insights at Alight Solutions.

Bill Santos is president and COO of Cerberus Sentinel.

Tanya Little is a health economist and chief growth officer at Vitality Group.

Marc Woolward is chief technology officer and chief information security officer for vArmour.

About 4,400 loans started the foreclosure process in November, alongside 176,000 mortgages in active foreclosure.