Loan Think

Nonbank servicers should proactively ask for guidance on the Consumer Financial Protection Bureau's muddled private-label servicing policies, as they are likely to soon be under scrutiny.

The persistent opposition to the Consumer Financial Protection Bureau — which has been fierce since day one — has been puzzling, and has been cloaked in misleading arguments about the structure of the agency.

New approaches to credit scoring lower the standard of the criteria required to receive a mortgage loan, at greater risk to the industry.

In hindsight, the U.S. Treasury's support of Fannie Mae and Freddie Mac was structured in a way that proved to be counterproductive.

Proponents of "recap and release" misread the political risks and the depth of interest that key lawmakers have in determining the long-term future of Fannie Mae and Freddie Mac.

A recent piece making light of GSE recapitalization is dangerously misleading.

It is not a clear-cut statement to say Fannie Mae and Freddie Mac need more capital, and it detracts from the real debate over long-term housing finance reform.

The case against Fannie Mae and Freddie Mac is stronger than the argument for their survival.

A district court in Texas has filed an injunction against last year's Department of Labor ruling on loan officer compensation but lenders should hold themselves to that standard as basic compliance regardless of the outcome.

A legislative proposal would expand Fannie Mae and Freddie Mac's use of specially-created debt securities to share their risk with private investors, but such risk transfer deals are not a replacement for core capital.