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This proposed Libor replacement is an imaginary, backward-looking benchmark dreamed up by the economists at the Fed with no discernible market.

Ryan Davis is a Senior Manager, Assurance, at BPM LLP in San Francisco. He has over 10 years of public accounting experience, serving both public and private companies in a variety of industries. Ryan is well versed in the financial services industry where he has served alternative investment, marketplace lending and broker-dealer companies, and also provides audit and consultation services on all types of employee benefit plans.

Michael Delehanty is president of the Community Home Lenders Association and chief financial officer of Mountain West Financial, based in Redlands, Calif.

Mortgage applications fell for the third consecutive week, likely because those borrowers motivated to refinance have already done so, according to the Mortgage Bankers Association.

Chip Munn is the CEO and a Senior Wealth Advisor at Signature Wealth Group. He is the author of Leap Before You Look and The Retirement Remix and hosts the Maximum Advisor Podcast and The Retirement Remix Show. Connect on Twitter @chip_munn.

Bryan Garcia, President, CEO, Connecticut Green Bank

Individuals who received a coronavirus stimulus check earlier this year also qualify for the protection, as do couples who jointly file their taxes and expect to earn less than $198,000.

Gov. Gavin Newsom late Monday signed a stopgap measure to rein in evictions, offering limited protections for tenants and aid to landlords hit financially by the coronavirus pandemic.

Following its deadline for written comments on the topic last month, the Federal Housing Finance Agency is scheduling events that will focus on two key themes emerging in responses.

Scott Cawood is the CEO of WorldatWork.