Compliance & Regulation
Compliance & Regulation
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The real story behind the C&I lending slowdown
Some believe that increased bank regulation is to blame for overall slower growth in commercial and industrial loans. Yet that assessment misses some important details.
A GSE risk we can no longer ignore: Doing nothing
Community Home Lenders Association
Congressional action to reform housing finance is ultimately needed, but we must confront the risk of continued drift and inaction if Congress is unable to act.
CFPB’s ‘project catalyst’ failed. Fintech deserves better
U.S. House of Representatives
Congressional action is necessary to give financial regulators the tools they need to promote responsible innovation.
Regulators' silence on new HMDA rule is deafening
Warren W. Traiger
Buckley Sandler LLP
Upcoming changes to how banks report mortgage activity to the government will have an undeniable impact on Community Reinvestment Act exams, but regulators have been silent on how they will use the data.
FSOC is too political to be taken seriously
R Street Institute
The Financial Stability Oversight Council is masquerading as an analytical, objective body that more accurately reflects the Dodd-Frank Act’s aim to expand the power of bureaucrats.
Embrace the mortgage robotics revolution
Editor in Chief
National Mortgage News
Robotics and other forms of intelligent automation is already helping lenders and servicers increase capacity and redeploy staff to more customer-centric tasks.
Want to ease the regulatory burden? Reform Congress
Werb & Sullivan
Efforts at regulatory reform often ignore the source of what led to the overregulation in the first place: the legislative process.
It's time for NCUA to advocate for reasonable HMDA regs at CFPB
Cooperative Credit Union Association
One credit union leader is urging Acting NCUA Chairman McWatters to go to bat for more sensible mortgage rules coming out of the CFPB.
A no-brainer for Trump team: Recapitalize the GSEs
William M. Isaac
Suspending Fannie Mae and Freddie Mac's regular dividend payments to the Treasury, thus enabling the companies to replenish their reserve capital, would put their future on better footing.
Why loan officers should attend mortgage closings
AVP of Marketing
CU Members Mortgage
Having a loan officer on-hand at closing boosts member satisfaction and improves CUs' relationships with real estate agents and title companies.
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