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FHFA’s Bi-Merge Credit Effort Stalls, Possibly for Good

January 23, 2025
Dennis Hollier
Republicans, who have long opposed the bi-merge credit scoring model, now control Congress. That, combined with Trump’s “regulatory freeze,” could spell the end of this part of credit report reform.
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Wildfires to Increase California’s Property Insurance Challenges

January 23, 2025
James Dohnert
The wildfires add new challenges to California’s growing property insurance and housing affordability crisis.
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CFPB Warns That Some Homeowners are Underinsured

January 23, 2025
Shannon Clark
Some homeowners’ properties may be underinsured due to disparities in flood-risk mapping, according to the Consumer Financial Protection Bureau.
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Grapevine: Another Bank Leaves the Mortgage Market; Trump’s First Day

January 23, 2025
Brandon Ivey, James Dohnert, and Paul Muolo
WaFd Bank is ending its mortgage origination activity; TD Bank is considering selling jumbo mortgages; some banks are still increasing their mortgage business; President Trump issues order on housing, freezes regulatory efforts.
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California Wildfires Could Lead to Mass Homeowner Exodus

January 16, 2025
James Dohnert
Property insurance challenges and rising home values could make it difficult for homeowners to rebuild after the California wildfires.
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Strong Economic Data, Trump Policies Pushing Interest Rates Up

January 16, 2025
Brandon Ivey
Following a strong jobs report, many economists now expect the Fed to keep rates unchanged. Also, concerns about policies from the Trump administration are helping to drive up the 10-year Treasury rate.
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Mission Lending Responsibilities Could Follow GSEs

January 16, 2025
Dennis Hollier
Affordable housing advocates say ending the GSE conservatorships administratively won’t relieve the enterprises from the mission-related responsibilities included in their charters and HERA.
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Natural Disaster Risks Making FRMs Seem ARM-Like

January 16, 2025
Brandon Ivey
Property insurance premiums are rising and accounting for a larger share of mortgage borrowers’ monthly payments.
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Republican Appointees Detail New Agenda for Bank Regulation

January 16, 2025
Shannon Clark
Bank regulators run by Trump-appointed leaders could move to issue a revised proposal on capital requirements for large banks, according to FDIC Vice Chairman Travis Hill.
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Georgia Woman Pleads Guilty to Mortgage Fraud

January 16, 2025
Monica Hogan
More than 450 mortgage loans, many of them insured by FHA, were approved based on fabricated documents tied to the guilty plea.
Read More
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