Loan Think

Community banks and consumer advocates are clashing over a provision in the Senate banking bill on mortgage data reporting, but there’s been little vetting of what the measure would actually do.

A Senate proposal calling for a federal guarantee on mortgage-backed securities would only benefit the largest banks and increase the risk of bailouts.

The legislation carves out protections for smaller banks to offer abusive loans to borrowers under the "qualified mortgage" standard, as long as they hold those loans in portfolio.

The agency should resist renewed calls to lower insurance premiums. Doing so would increase demand and raise home prices, negating any proposed benefits.

From origination to payoff, blockchain technology makes data more reliable and secure to enhance and improve mortgage lending.

As the debate over housing reform heats up, policymakers should give careful consideration to a plan that recapitalizes the government-sponsored enterprises.

Lenders should be encouraged to hold more credit risk in the mortgage market, rather than having it foisted on Fannie and Freddie.

Bonus depreciation, Section 179, interest and loss limitations — what does it all mean?

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Federal Home Loan banks have significantly increased their lending to large financial institutions in the post-crisis years, but it’s doubtful this activity will create undue systemic stress because it has displaced other, riskier forms of bank funding.