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Volume 25 - Number 4

February 17, 2014

Bureau Raises More Concerns About Student Financial Products

In another sign that more regulatory scrutiny could be brought to bear upon financial institutions that market bank accounts, prepaid and debit cards and other products to college students, the CFPB recently highlighted concerns about how such products are marketed and how transparent the related agreements between financial institutions and colleges and universities are. Recently, the bureau alerted financial institutions about what it thinks is the potentially risky practice of not readily disclosing arrangements with colleges and universities to...

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With rates higher this year, there has been talk of lenders liberalizing their underwriting standards in an effort to increase volume and make up for lower refis.

Do you think your shop will loosen standards over the coming three months?

Yes, but not by much.
Yes, by a lot.
Yes and, heck, we may even do non-QM lending.
No, not at all.
No and we may even tighten credit.

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