Loan Think

Progressives have been setting off alarm bells this week over the Senate’s bill to ease some Dodd-Frank rules, but the changes are more modest than many assume.

Housing regulators should not adopt an alternative credit scoring model until the banking industry is on board.

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Auditing firms cannot be expected to root out evil, or to conduct full forensic investigations.

The Trump administration should not name J. Mark McWatters as head of the consumer agency, given his lack of experience overseeing commercial banks and his leadership of the National Credit Union Administration, a cheerleader for the industry it supervises.

The GSEs are on their way to paying back the money they owed the government under the original bailout deal made at the height of the financial crisis, making 2018 an opportune time for an overhaul of the housing finance market.

The credit bureau enraged many with its response to a massive data breach this fall, but closing the company down would ultimately harm consumers.

For decades, Fannie Mae and Freddie Mac helped working-class Americans get mortgages. That essential and powerful role in the national economy is fading.

The government-sponsored enterprises are at the heart of our housing finance problems, not the solutions.

To succeed in an era of increasingly narrow margins and broad competition, mortgage lenders must be methodical about loan fulfillment and take a "less is more" approach to designing workflows.