Yemeng Yang

A Battle Brewing Over the GSE ‘Patch’ and DTI

January 23, 2020

Many support raising the DTI threshold and incorporating compensating factors, but others recommend full elimination of the current standards.

Industry Sees TRID Rule as ‘Overly Burdensome’

January 23, 2020

Yemeng Yang

While industry groups argue the integrated mortgage disclosure rule is overly burdensome for lenders, consumer advocates caution the CFPB from taking any drastic steps.

Mortgage Bellyaching Plunges to Record Low in 4Q19

January 22, 2020

Yemeng Yang

For the full year of 2019, total mortgage complaints from end users were down 9.1%...

California Becomes Latest State to Create Mini CFPB

January 21, 2020

Yemeng Yang

After Pennsylvania, New Jersey and New York, the Golden State will be the fourth state to establish a state-level agency to boost consumer financial protection.

Seila Law Case ‘Remarkably Weak,’ Says CFPB Defender

January 21, 2020

Yemeng Yang

The court-appointed CFPB defender said the petition challenging the bureau’s structure is “remarkably weak.” According to him, there is no basis “to take the grave step of invalidating an act of Congress.”

Mortgage Complaints Plunge to Record Low in 4Q19

January 21, 2020

Yemeng Yang

Consumer complaints filed with the CFPB regarding mortgages hit a record low in the final quarter of 2019, with double-digit declines in two categories. (Includes two data charts.)

BofA Gets Immunity Against RESPA Enforcement Actions

January 21, 2020

Yemeng Yang

The CFPB granted a no-action letter to Bank of America regarding its funding arrangement with HUD-certified housing counseling agencies. It marks the second no-action letter under the revised policy.

CFPB’s Task Force Selection Draws Criticism

January 21, 2020

Yemeng Yang

The bureau has picked a longtime critic to chair its task force to review federal consumer financial laws. The move has consumer advocates up in arms.

Fed’s CRA Reform Approach At Odds with FDIC, OCC

January 21, 2020

Yemeng Yang

A Fed governor introduced the metric-based approach to reform the Community Reinvestment Act, which would assess mortgage lending to both low- and moderate-income borrowers and LMI communities.

CFPB Sues Mortgage Firms for Credit Report Fraud

January 21, 2020

Yemeng Yang

The consumer watchdog sued two mortgage-related companies for allegedly selling credit reports they obtained under false pretenses to debt relief companies for their marketing purposes.

Yemeng Yang

ARTICLES

A Battle Brewing Over the GSE ‘Patch’ and DTI

Industry Sees TRID Rule as ‘Overly Burdensome’

Mortgage Bellyaching Plunges to Record Low in 4Q19

California Becomes Latest State to Create Mini CFPB

Seila Law Case ‘Remarkably Weak,’ Says CFPB Defender

Mortgage Complaints Plunge to Record Low in 4Q19

BofA Gets Immunity Against RESPA Enforcement Actions

CFPB’s Task Force Selection Draws Criticism

Fed’s CRA Reform Approach At Odds with FDIC, OCC

CFPB Sues Mortgage Firms for Credit Report Fraud

Latest Imf News

Depository Share of GSE Servicing Increases in 1Q

Margins Increase at AmeriHome Owner in First Quarter

Brokers Look to Reduce Credit Report Costs

Annaly Turns Profit in First Quarter Despite Agency MBS Issues

Featured Data

GSE Deliveries Weaken in First Quarter of 2026

GSE Lenders Stretch Credit Envelope in First Quarter

Bank Sales of Mortgages Rise to 2022 Level at End of 2025

Structured Finance Market Keeps Momentum Going

Featured Reports

GSE Repurchase Activity: Cumulative Through Fourth Quarter 2025 (PDF Format)

Mortgage Profitability Report 4Q25 (PDF)

Agency Channel Analysis: 4Q25 (PDF)

Mortgage Servicing Rights Report: 4Q25 (PDF)

Featured Poll

As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?