Loan Think

If the Supreme Court strikes down CFPB regulations by ruling against the constitutionality of the agency's structure, technological innovation will be harder for banks to achieve as regulatory clarity moves further out of reach.

This generation is more capable of increasing homeownership rates than any others over the past several decades, argues dv01's head of research.

By "going big" in 2020, the Federal Reserve has managed to disrupt the term structure of interest rates to an alarming degree, writes the Chairman of Whalen Global Advisors.

There's quite a bit of inventory out there that would have otherwise been returned to the market but for unduly harsh political theater writes the CEO of the National REO Brokers Association.

The Home Loan banks are failing to serve huge numbers of Americans because of their reliance on outdated credit scoring models.

We have the tools to address our housing challenges through a mix of regulatory reforms, policy changes, incentives and investment. What's needed is the will and leadership to put those tools to work.

More than any real world problem posed by IMBs, it is the government in all of its manifestations that poses a significant risk to the world of mortgage finance and the housing sector more generally, writes the Chairman of Whalen Global Advisors.

The enterprises should offer an indemnification in lieu of the practice of a repurchase demand for all performing loans, writes the Executive Director of Community Home Lenders of America.

The Enterprise Regulatory Capital Framework is going to dramatically transform Fannie Mae and Freddie Mac pricing in ways the industry hasn't begun to contemplate, writes a former senior policy analyst at the FHFA.

Artificial intelligence can help cut bias out of credit models. The Consumer Financial Protection Bureau should make it easier for lenders to adopt it.