Yemeng Yang

CLO Risks May Rise Sharply in Downturn

August 15, 2019

The leveraged loan and CLO markets have more than doubled since the financial crisis. They pose risks in a downturn, rating services warn.

CFPB Will Hold Servicers Responsible Even If They Use Outsourcers

August 15, 2019

Yemeng Yang

The suit was filed by Rodney Harrell, a Virginia homeowner, who obtained a residential mortgage from NYCB Mortgage. The right to service Harrell’s loan was transferred to Freedom, which in June 2017 bought some of NYCB’s MSR portfolio.

OCC Ponders CRA Change: Loans to the ‘Wealthy’ Won’t Be Counted?

August 15, 2019

Yemeng Yang

Comptroller of the Currency Joseph Otting: “CRA mortgage lending should be to LMI people.”

Nation’s Largest Wholesaler Weighs In on Expiration of the GSE ‘Patch’

August 13, 2019

Yemeng Yang

UWM CEO Mat Ishbia: “I’m not a person that believes the expiration of the patch is going to be a major industry event.”

Industry Mulls Transition as End of QM ‘Patch’ Nears

August 12, 2019

Yemeng Yang

As the initial anxiety over the CFPB’s plan to end the qualified mortgage “patch” fades, mortgage industry participants are assessing their options.

MSR Buyers Cannot Contract Out Obligations

August 12, 2019

Yemeng Yang

Buyers of mortgage servicing rights should be held responsible for violations that occur after the transfer, even if certain obligations were subcontracted out, the CFPB said in a recent court filing.

Alternative Data Use Could Expand Credit Access

August 12, 2019

Yemeng Yang

The CFPB’s review of a fintech company’s lending practice shows that using alternative data could expand credit access and at the same time allow lenders to remain compliant with fair lending laws.

Republican AGs Say CFPB Structure Unconstitutional

August 12, 2019

Yemeng Yang

A dozen Republican state attorneys general asked the Supreme Court to review the challenge to the CFPB’s structure, stating their belief the bureau directorship is unconstitutional.

Dems Call For the Ouster of Former CFPB Official

August 12, 2019

Yemeng Yang

Democratic lawmakers have called for the removal of Eric Blankenstein, currently a HUD official, after it was found that he likely abused his authority at the CFPB in dealing with a controversy tied to his racially-charged writings of the past.

CFPB Guidance on Providing Loan Estimates Under TRID

August 12, 2019

Yemeng Yang

The CFPB issued a new set of frequently asked questions on whether lenders should provide loan estimates in particular cases under the integrated mortgage disclosure rule.

Yemeng Yang

ARTICLES

CLO Risks May Rise Sharply in Downturn

CFPB Will Hold Servicers Responsible Even If They Use Outsourcers

OCC Ponders CRA Change: Loans to the ‘Wealthy’ Won’t Be Counted?

Nation’s Largest Wholesaler Weighs In on Expiration of the GSE ‘Patch’

Industry Mulls Transition as End of QM ‘Patch’ Nears

MSR Buyers Cannot Contract Out Obligations

Alternative Data Use Could Expand Credit Access

Republican AGs Say CFPB Structure Unconstitutional

Dems Call For the Ouster of Former CFPB Official

CFPB Guidance on Providing Loan Estimates Under TRID

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