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Qualified Mortgages for Self-Employed Borrowers; Bill on the Hill

USA - September 11 2018 Senators Mark Warner (D-VA) and Mike Rounds (R-SD) recently introduced Senate Bill 3401 to facilitate access to residential mortgage loans for…

Reminder: LO Comp Cannot Vary Based on Product Type

USA - July 5 2021 A mortgage loan product is a bundle of loan terms. That is what the Consumer Financial Protection Bureau (CFPB) reminds us in its latest Supervisory…

Consumer Financial Protection Bureau Five-Year Retrospective

USA - July 21 2016 The Consumer Financial Protection Bureau (CFPB or the “Bureau”) marks its fifth Birthday having made a substantial mark on the consumer financial…

Ori Lev, Eric T. Mitzenmacher, Stephanie C. Robinson, Jeffrey P. Taft, David A. Tallman

Climate Change Impacts to the US Mortgage Industry

USA - November 2 2021 Climate change could have serious impacts on the mortgage industry, and stakeholders should take action now. That is the recent urgent message from…

Laurence E. Platt, Kerri Elizabeth Webb

Agencies to Review QRM / Securitization Credit Risk Retention Rule

USA - December 22 2019 The agencies responsible for the securitization credit risk retention regulations and qualified residential mortgages (“QRMs”) are asking for public…