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Home » Topics » Inside Mortgage Finance » Regulation

Regulation
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Another Argument for Title Insurance: The Commons

October 17, 2024
Dennis Hollier
A white paper describes public land records as a “commons” that must be protected from “free riders” that have no stake in its curation.
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Massachusetts Settles With Servicer Over ‘Zombie’ Debt

October 17, 2024
Shannon Clark
The settlement between Franklin Credit Management and the Massachusetts attorney general will require the servicer to cease collecting or attempting to collect on “zombie” second liens in the state.
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Tensions Grow Between the Biden Administration and the FHLBanks

October 10, 2024
Dennis Hollier
Deputy Secretary of Treasury Wally Adeyemo hinted that the government might reduce its support of the FHLBanks if they don’t put more funds toward affordable housing.
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GSE Multifamily Business, FHLBanks Risks for FHFA

October 10, 2024
Dennis Hollier
FHFA’s watchdog highlights multifamily risk at the GSEs and FHLBank exposure to failing members as key agency hurdles.
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Insurance Companies Defend Their FHLBank Membership

October 3, 2024
Dennis Hollier
Insurance companies were some of the largest originators of mortgages when the FHLBanks were created, but that’s no longer the case.
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No Immediate Impact From Changes Post NAR Settlement

October 3, 2024
James Dohnert
A majority of real estate agents surveyed said it’s business as usual following changes in how buyer’s agent commissions are paid.
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Trigger Leads Ban Bundled; Government Shutdown Averted

September 26, 2024
James Dohnert
A bill to ban trigger lead activity was rolled into an annual appropriations bill. Congress also passed a stopgap funding bill through Dec. 20.
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Lenders Assess Housing Policies of Harris and Trump

September 26, 2024
Shannon Clark
The presidential candidates have vastly different priorities when it comes to addressing the nation’s housing policies.
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Timing of Bank Capital Re-Proposal Unclear

September 26, 2024
Brandon Ivey
A Fed board member recently outlined plans for re-proposing bank capital requirements. The FDIC appears to be running into complications.
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Mortgage Market Adjusts Following Fed’s 50-BP Rate Cut

September 19, 2024
James Dohnert
The Federal Reserve announced a 50-basis-point reduction in the federal funds rate this week. Interest rates on mortgages have come down by more than that in recent weeks in anticipation of the Fed’s move.
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