Loan Think

Mortgage lenders afraid to enter into any kind of marketing services agreement should look not to what the Consumer Financial Protection Bureau has laid as guidance, but what it has left unsaid.

Stringent regulations put in place after the recession have been unevenly enforced across the industry, to the detriment of small financial institutions. Here's hoping that changes with the new administration.

The federal government needs to recognize Ginnie Mae's importance to the housing industry and divorce its funding and oversight from the Department of Housing and Urban Development.

An explicit government guarantee of Fannie Mae and Freddie Mac is imperative to reform the secondary market, but needs be carefully circumscribed — covering only the securities and invoked only after multiple, significant layers of private capital have been exhausted.

The new presidential administration has signaled its aim is to pass legislation altering the Consumer Financial Protection Bureau's governing and funding structures, rather than do away with it altogether.

Despite claims that digitizing the mortgage process will require less human capital, consumer desires for people on the other end of the phone or computer will keep mortgage loan officers in demand for the foreseeable future.

Appraisal management companies must self-regulate their prices unless they want the government to do it for them.

In order to address lenders' issues with mortgage servicing rights financing, the industry needs to reconsider its typical securitization structures.

The Office of the Comptroller of the Currency could make the Community Reinvestment Act’s spirit relevant in a digital age so long as it builds the right framework for chartered fintech companies.

If the U.S. Court of Appeals for the District of Columbia rules on party lines, the current structure of the Consumer Financial Protection Bureau will remain intact.