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Volume 2014 - Number 24

June 19, 2014

Little Evidence of Impact of CFPB Mortgage Rules Six Months After Implementation

Six months after the Consumer Financial Protection Bureau implemented rules for originations and servicing, it’s too early to tell what impact the rules have had, according to industry participants, consumer advocates and even officials at the CFPB. The CFPB this week convened a meeting of its consumer advisory board, a 19-member panel of consumer advocates and other industry participants. Board members had plenty to say about issues in the mortgage market, but evidence about the impact of the CFPB’s rules – the reason for the meeting – was scant. Abhishek Agarwal, the CFPB’s acting assistant director of mortgage markets, said...

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After the November elections, how long will it take for a new Congress and White House to pass GSE reform legislation?

I’m confident a bill will be passed the first year.


2 to 3 years. GSE reform is complicated.


Sadly it won’t happen in a Clinton or Trump first term.


Not in my lifetime.


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