Banco Popular de Puerto Rico

Recapitalizing the GSEs by cutting off returns to the government would essentially be buying the GSEs from the taxpayers with money that belongs to the taxpayers.

As the CFPB moves closer to updating its debt collection regulations, revising restrictions on phone calls and other communications with consumers must be a priority.

An important traditional tool of monetary policy has been diminished and may even become counterproductive in the future.

The incentives are stronger than ever to work toward standardizing the documentation, language and process for loans in commercial mortgage-backed securities to be combined with PACE financing.

Lenders looking to keep up with the competition should adopt a digital mortgage process because a key borrower segment and the government-sponsored enterprises increasingly expect them to offer one.

Loan officers' jobs are harder than they need to be because of back-end system inefficiencies, and it adds cost to the process.

Banks need to mitigate potential bias in algorithmic predictive models using artificial intelligence, as regulators are weighing how to oversee the emerging technology.

Even as digital mortgage availability make it easier for Americans to navigate the process, many would-be buyers are struggling to afford a home.

Most digital transformation efforts concentrate on loan origination technology and do not deal with the costs incurred in the settlement and closing process.

A Senate proposal calling for a federal guarantee on mortgage-backed securities would only benefit the largest banks and increase the risk of bailouts.