Loan Think

Critics of the regulatory relief bill proposed by Sen. Richard Shelby argue that will endanger the financial system and benefit big banks. But in fact, the changes offer sensible, nonpartisan fixes to some of the biggest problems with the Dodd-Frank Act.

It's a good idea to raise the asset threshold at which financial institutions are automatically designated as systemically important financial institutions. But Sen. Richard Shelby's proposed legislation for regulatory relief does require one crucial change.

Consent orders with Sprint and Verizon demonstrate the extent that the Consumer Financial Protection Bureau expects businesses — including lenders — to affirmatively protect consumers from harm in any way related to the business transacted between them.

There are more similarities between the NFL and the mortgage industry than at first meets the eye.

Lenders are heading into the MBA's Secondary Market Conference with stronger origination volumes and secondary market relationships than last year. But how long will these volumes last and how can the industry make the most of them?

Before Dodd-Frank, proving risk management precautions were in place was enough; now, the only real defense lenders and servicers have is an audit trail showing how violations were avoided.

The CFPB's powers to initiate enforcement actions are nearly boundless.

The goal of any load-balanced or scaled application should ultimately be to provide reliable and highly available services.

Most banks appear to be coping well with the CFPB's ability-to-repay rule for mortgages, but the burden is falling harder on community banks. A new proposal that would allow more small lenders to grant home loans to borrowers with high levels of debt could help.

In response to the guidance offered by one of our commenters recently, Freddie Mac sets the record straight about their review process.