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Tag Archives: Regulation

What’s Best for Banks?

As the Federal Reserve and other regulators roll back some post-2008 banking and lending regulations, some worry that the economy may put at risk during the next downturn,

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After the Dust Settles

Weighing in on issues ranging from rent control and home construction to tax cuts and spending constraints, DS News untangles how the new landscape could impact housing and mortgage in 2019.

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Tech Talks: How Technology is Shaping the Industry

As the technology conversation in the mortgage industry heats up, many companies are attempting to meet industry demands and adopt streamlined industry processes. Today’s companies are driven by creativity and innovation and are fostered by client success. DS News spoke to James Vinci, VP and Chief Technology Officer at Equator, about what mortgage professionals can learn from other industries and what technology trends are having the most impact today.

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Reforming Dodd-Frank to Unify the U.S. Economy

“For seven years now, the Dodd-Frank Act has stifled the American Dream—for half of the country,” said U.S. Representative David Kustoff (R-TN) in an opinion piece on CNBC. According to Kustoff, Dodd-Frank requires rolling back, and it has caused plenty of harm since then. Though it saved plenty of big banks during the recession, its regulation has stifled many smaller banks.

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CFPB Offers Clarification to Proposed Data Collection Update

In fall of 2015, the CFPB introduced new data reporting requirements which are set to take effect next year under the 1974 Home Mortgage Disclosure Act (HMDA), updating existing rules which will make lenders provide information on property value, the terms of the loan, the term of prepayment penalties and the duration of teaser or introductory interest rates. However, the increased amount of data which the CFPB requires lenders to report has led increased complications.

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