Banco Popular de Puerto Rico

After years of refi-fueled origination volume, lenders have their hopes pegged to a resurgent purchase market in 2016 and beyond. But it raises an important question: will strategic default rear its head again in the next downturn?

If mortgage rates rise slowly as the economy continues to grow, the impact from the Fed’s unwind on housing likely will result in a decline in refinancing activity.

The largest generation of Americans is set to inherit over $59 trillion in assets, but the federal financial regulators are behind in hiring millennials and focusing on issues of concern to them.

In a deregulatory environment, a rule that better enables consumers to bring class actions could lead to an explosion of litigation, which will affect product availability and pricing.

Banks should not point blame at the credit bureau but rather should step up and demonstrate their commitment to their customers. If you punt the problem to Equifax, it suggests you don’t really care.

The prospect of a lower corporate rate resulting from looming tax reform discussions may be a blessing for the industry, but it could be bittersweet for one particular group of bankers.

Credit risk transfers have emerged as more than just a method for mitigating taxpayer exposure. They could be a key component of comprehensive housing finance reform.

Using historical patterns to predict the next financial success or crisis seems rational. But beware the human psyche’s tendency to concoct order out of randomness.

Critics of recent False Claims Act enforcement argue the Justice Department is too heavy-handed toward lenders and servicers. But in an industry reputed for shoddy processes during the crisis, perhaps stringent oversight is warranted.

Collaboration will help make up for cost concerns from adopting the technology and ensure that the core vendors get the message of community banks’ interest.