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Home | Print Features

The Gift of Hindsight: Did Prime Loans Cause the Mortgage Crisis?

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-+*But a new analysis of the mortgage crisis, which cost millions of families their homes and brought down storied financial institutions such as Lehman Brothers and Washington Mutual, suggests prime loans, not subprime, were the major driver and “the crisis was not solely, or even primarily, a subprime sector event.” This select print feature will appear in the August 2015 issue of DS News.

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The Five Pillars of Risk Management

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-+*As a mortgage banker, originator or servicer, you may be thinking, “Can the Consumer Financial Protection Bureau (CFPB) interfere with my supplier and service provider relationships?” If you’re asking that question, it is useful to learn more about the CFPB’s vendor oversight expectations. Editor's note: This select print feature is scheduled to appear in the July 2015 issue of DS News, available on July 1.

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Numbers Don’t Lie: Complaints to the CFPB May Not Be What They Seem

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-+*In fact, the industry discovered that simply analyzing data from the CFPB is not enough, especially since the database arrives with its own built-in bias—that bias being the very nature of the database itself. It collects complaints, not praises, and ignores the larger universe of loans serviced nationwide. To fill the void of well-rounded data, Black Knight Financial Services and the Five Star Institute jumped into the missing space and used data from the CFPB database and its own analytics to inform its latest white paper on CFPB complaints. This select print feature originally appeared in the May 2015 issue of DS News magazine.

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The Underappreciated Impact of Dodd-Frank: The Rise of Federal and State Regulatory Cooperation

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-+*There are multiple levels of regulation in the financial services industry with federal, state, and even local officials supervising companies within the industry. These regulators often cooperate, but also sometimes act in conflict with one another in their pursuit of consumer protection and enforcement of laws. This select print feature originally appeared in the February 2015 issue of DS News magazine.

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Vandalism, Arson — Or Both?

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-+*With so many legal stipulations to bear in mind, deserted dwellings are anything but an open-and-shut case. As foreclosure resolution time frames swell, servicers and investors must maintain property preservation standards for longer periods of time. Properties at the highest risk of loss or damage are vacant properties. Vacancy presents a host of problems to servicers and investors in managing their foreclosure inventory. Paramount among those concerns is vandalism.

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Prudent or Petty: The Government’s Settlement Strategy

Prudent or petty

-+*In light of their ineffectiveness in preventing another downturn in housing and their possible contribution to the slowness of the housing recovery, the question then becomes whether the imposition of penalties by the federal government, while "not insurmountable," is really in the best interest of the American consumer. Are they prudent or just petty?

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