Yemeng Yang

Credit Model Reform Needed to Solve Housing Discrimination

November 20, 2020

Incorporating alternative data into the underwriting model with rigorous front-end control may help eliminate racial inequality in housing, according to industry analysts.

Investors Return to Consumer ABS, But Risks Remain

November 19, 2020

Yemeng Yang

Strong performance of outstanding marketplace consumer loan ABS is bringing issuers and investors back to the market. But default risks will likely increase through the remainder of the year, according to analysts.

New Leadership May Further Delay CFPB QM Rulemaking

November 19, 2020

Yemeng Yang

Industry attorneys said a Biden administration may run into legal hurdles if it wants to make substantial changes to the proposed QM rule. The bureau may have to restart the process from scratch.

Social Media Endorsements and RESPA? It’s Complicated

November 18, 2020

Yemeng Yang

Attorney Jan Keas: “I think a logical question you always want to ask about social media activity is why are you doing what you are doing..."

Rising COVID Cases a Hurdle for CMBS Recovery

November 12, 2020

Yemeng Yang

Due to the resurgence in coronavirus infections, recovery in the travel and hotel sectors will be even slower than what was expected a few months ago.

Short Takes: More Equity for Fintech Lender Better.com / IPO Dreams? / Mr. Cooper’s GOS / A Slight Decline in Applications / LOs Urged to Renew Early

November 12, 2020

Paul Muolo and Yemeng Yang

Better.com is roughly four years old and already it's funded $25 billion in loans. Credit Jerry Selitto and his team...

Six Possible Successors to CFPB Director Kraninger

November 12, 2020

Yemeng Yang

The front runners to succeed Kathy Kraninger: Rep. Katie Porter and FTC Commissioner Rohit Chopra.

Avoiding RESPA Kickback Violations in ‘Virtual’ Pacts

November 12, 2020

Yemeng Yang

Mortgage professionals should ensure social media endorsements, online advertisements and other “virtual” marketing services comply with anti-kickback provisions.

Mortgage Complaints Filed with the CFPB Begin to Pile Up

November 11, 2020

Yemeng Yang

Gripes about mortgage applications hit a historical high, jumping 29.9% sequentially to 1,609 in 3Q20. The nine-month reading registered a stunning 124.6% spike year-over-year.

Who Will be the Next CFPB Director? Rep. Porter?

November 10, 2020

Yemeng Yang

Before she ran for Congress, Porter taught consumer bankruptcy and mortgage foreclosure law at the University of California...

Yemeng Yang

ARTICLES

Credit Model Reform Needed to Solve Housing Discrimination

Investors Return to Consumer ABS, But Risks Remain

New Leadership May Further Delay CFPB QM Rulemaking

Social Media Endorsements and RESPA? It’s Complicated

Rising COVID Cases a Hurdle for CMBS Recovery

Short Takes: More Equity for Fintech Lender Better.com / IPO Dreams? / Mr. Cooper’s GOS / A Slight Decline in Applications / LOs Urged to Renew Early

Six Possible Successors to CFPB Director Kraninger

Avoiding RESPA Kickback Violations in ‘Virtual’ Pacts

Mortgage Complaints Filed with the CFPB Begin to Pile Up

Who Will be the Next CFPB Director? Rep. Porter?

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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?