Yemeng Yang

Pennsylvania AG Continues to Focus on Mortgage Redlining

September 9, 2019

Mortgage redlining continues to be a high priority for the Pennsylvania Attorney General’s office, said a senior deputy to the AG.

Smaller Lenders Seek Higher DTI Cap for QM

September 6, 2019

Yemeng Yang

Weighing in on how to fix the qualified mortgage rule, smaller lenders have suggested a higher debt-to-income ratio cap.

Fintech Firm Uses AI to Manage Marketplace ABS

September 5, 2019

Yemeng Yang

Pagaya has issued a $115 million consumer loan ABS backed by market-place consumer loans and managed solely by artificial intelligence.

Regulators Move to Ease Appraisal Requirements

September 5, 2019

Yemeng Yang

Federal regulators are moving closer to allowing more residential mortgages to be originated without appraisals.

Another Month and More Mortgage Laws for New York

August 30, 2019

Yemeng Yang

The legislation is aimed at ensuring homeowners do not lose time getting the modification approved when the loan is sold or transferred...

Tappable Equity Reached a Record High of $6.3T in 2Q19

August 29, 2019

Yemeng Yang

Tappable equity reached an all-time high of $6.3 trillion in the second quarter of this year, according to Black Knight.

Lenders Ponder the QM Patch Expiration and What to Do About Appendix Q

August 28, 2019

Yemeng Yang

The problem with Appendix Q is twofold: It is difficult to comply with due to its technicality and it limits self-employed borrowers’ access to credit…

Lenders See Problems with QM Rule Appendix Q

August 26, 2019

Yemeng Yang

With the qualified mortgage “patch” scheduled to sunset in 2021, lenders are pushing for changes to the Appendix Q documentation requirements amid a broader debate over the debt-to-income limit.

Kraninger Creating a Transparent CFPB?

August 26, 2019

Yemeng Yang

The third meeting this year between officials of the CFPB and the CMLA focused on the loan originator compensation rule. The trade group noted that bureau Director Kathy Kraninger is open to industry feedback.

Dems Question Appointment of Paul Watkins at CFPB

August 26, 2019

Yemeng Yang

Democratic lawmakers expressed concerns over Paul Watkins and his fitness to oversee the CFPB’s innovation programs, due to his past work at a conservative religious group which is allegedly anti-LGBTQ.

Yemeng Yang

ARTICLES

Pennsylvania AG Continues to Focus on Mortgage Redlining

Smaller Lenders Seek Higher DTI Cap for QM

Fintech Firm Uses AI to Manage Marketplace ABS

Regulators Move to Ease Appraisal Requirements

Another Month and More Mortgage Laws for New York

Tappable Equity Reached a Record High of $6.3T in 2Q19

Lenders Ponder the QM Patch Expiration and What to Do About Appendix Q

Lenders See Problems with QM Rule Appendix Q

Kraninger Creating a Transparent CFPB?

Dems Question Appointment of Paul Watkins at CFPB

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