Loan Think

The recent proposal is less about fixing fundamental flaws in our mortgage finance system and more about finding a broadly acceptable path to resolving the current impasse in mortgage finance reform.

Borrowers of "forward" Federal Housing Administration mortgages are unfairly being expected to backstop the disparate mission and risks of the Home Equity Conversion Mortgage program.

Offering counseling to prospective homebuyers as part of Fannie Mae and Freddie Mac's duty to serve requirements could play a crucial role in helping lenders and nonprofits safely increase access to credit for underserved markets.

The Consumer Financial Protection Bureau's pending rule hinging on excessive document collection, when the focus should be on prohibitive privacy laws.

Land title insurers using mobile devices for business often misunderstand how much sensitive personal information they're holding, posing a big data security — and regulatory — problem.

Hint: businesses should be focused on data strategy and security, from the individual up to the enterprise level.

No-action letters from the Consumer Financial Protection Bureau can be an essential tool for lenders in striving to the mortgage process more consumer-friendly through inventive products and service — but lenders must seek them out.

After nearly 20 years of talk, the time for e-closings is finally here, thanks to a push from government regulators and a broad shift in acceptance across demographics.

Although many believe home prices to be impervious to inflation, they are still susceptible to speculation surrounding the Federal Reserve's rumors and decisions on monetary policy.

Appellate courts are officially playing pingpong with underwriters' employment status, leaving lenders to decide whether or not they qualify as employees exempt from minimum wage and overtime pay — and open to regulatory scrutiny.