Loan Think

Collaboration will help make up for cost concerns from adopting the technology and ensure that the core vendors get the message of community banks’ interest.

Critics of recent False Claims Act enforcement argue the Justice Department is too heavy-handed toward lenders and servicers. But in an industry reputed for shoddy processes during the crisis, perhaps stringent oversight is warranted.

Using historical patterns to predict the next financial success or crisis seems rational. But beware the human psyche’s tendency to concoct order out of randomness.

Credit risk transfers have emerged as more than just a method for mitigating taxpayer exposure. They could be a key component of comprehensive housing finance reform.

The prospect of a lower corporate rate resulting from looming tax reform discussions may be a blessing for the industry, but it could be bittersweet for one particular group of bankers.

Regardless of whether Congress could act, proponents don’t seem to fully appreciate the potential unintended consequences of a future without Fannie Mae and Freddie Mac.

Efforts to repeal a Dodd-Frank mandate for lenders to report data on small-business applicants — including race and ethnicity — overlook the benefits of the provision to both communities of color and banks.

The U.S. population is aging, and one of the well-established components of the American dream — buying and owning a home — appears poised to aid in the baby boomers' next phase of life.

Policymakers should differentiate between housing finance-related issues of real importance to the greater public interest, and those that concern only special interests.

From the small lender’s perspective, most of the various GSE reform proposals that have been offered are designed to advance the interests of the big banks.