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      <title>Bank Regulators Consider CRT Risks, Disclosures</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[As bank issuance of CRT deals increase, additional regulations and disclosure requirements are under consideration.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236763</guid>
      <pubDate>Thu, 26 Feb 2026 16:41:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236763-bank-regulators-consider-crt-risks-disclosures</link>
    </item>
    <item>
      <title>SEC Asked to Rescind Disclosures for Unsolicited Ratings</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The request came from the CRE Finance Council, the Mortgage Bankers Association and the Securities Industry and Financial Markets Association. The groups said the disclosure requirements have negatively impacted the commercial MBS market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235956</guid>
      <pubDate>Thu, 20 Nov 2025 16:21:46 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235956-sec-asked-to-rescind-disclosures-for-unsolicited-ratings</link>
    </item>
    <item>
      <title>ABS Players Consider Public Versus Private Issuance</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[SEC is looking to revise disclosure requirements to boost issuance of publicly-registered deals. Investors see some positives in private placements, which might not be easy to replicate in the public market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235777</guid>
      <pubDate>Thu, 30 Oct 2025 16:27:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235777-abs-players-consider-benefits-of-public-securitizations</link>
    </item>
    <item>
      <title>Non-Agency MBS Issuers Open to Reg AB2 Reforms</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Revisions to disclosure requirements could prompt the issuance of publicly-registered non-agency MBS, which could eventually lead to additional demand from investors.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235437</guid>
      <pubDate>Thu, 25 Sep 2025 16:20:50 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235437-non-agency-mbs-issuers-open-to-reg-ab2-reforms</link>
    </item>
    <item>
      <title>‘Pancake’ REMIC Structure Offered for Residential MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The structure helps issuers extend prefunding and investment periods beyond the 90-day limitation that applies to traditional real estate mortgage investment conduits.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235350</guid>
      <pubDate>Thu, 18 Sep 2025 16:26:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235350-pancake-remit-structure-offered-for-residential-mbs</link>
    </item>
    <item>
      <title>SEC Looking to Boost Public Issuance of MBS, ABS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Securities and Exchange Commission will be seeking feedback next month on ways to boost issuance of publicly-registered MBS and ABS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235257</guid>
      <pubDate>Thu, 04 Sep 2025 16:26:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235257-sec-looking-to-boost-public-issuance-of-mbs-abs</link>
    </item>
    <item>
      <title>FHFA Changes to CSS May Enable Public Utility Plans</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Changes to Common Securitization Solutions, including being renamed U.S. Financial Technology, appear to set the company up to serve additional secondary mortgage market participants.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234654</guid>
      <pubDate>Thu, 26 Jun 2025 17:21:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234654-css-and-gse-reform</link>
    </item>
    <item>
      <title>SFA Crafts Standard for Reviews of Seasoned Mortgages</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Due diligence firms can use the review scope to assess seasoned residential mortgages, assigning positive grades for loans with 36 months of strong performance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234526</guid>
      <pubDate>Thu, 12 Jun 2025 16:47:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234526-sfa-crafts-standard-for-reviews-of-seasoned-mortgages</link>
    </item>
    <item>
      <title>Grapevine: Maryland Licensing Update; SFR Securitization Pulled</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[MBS exempt from Maryland licensing requirements after all; Progress Residential scraps planned single-family rental securitization; ICE offers anonymous requests-for-quote for MBS sales.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234087</guid>
      <pubDate>Thu, 24 Apr 2025 16:03:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234087-grapevine-maryland-licensing-exemption-sfr-securitization-pulled</link>
    </item>
    <item>
      <title>Members of Congress Press Powell on Securitization</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Reps. Ann Wagner, R-MO, and Brad Sherman, D-CA, raised concerns of the securitization industry with Federal Reserve Chair Jerome Powell. They aim to influence a proposal to implement changes to capital requirements for large banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233910</guid>
      <pubDate>Thu, 03 Apr 2025 17:00:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233910-members-of-congress-press-powell-on-securitization</link>
    </item>
    <item>
      <title>SEC Approves FINRA Proposal on MBS Reporting</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[FINRA received approval from the SEC to shorten reporting requirements for most trades of MBS and ABS from within 15 minutes to within one minute of a deal having transpired.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232234</guid>
      <pubDate>Thu, 26 Sep 2024 16:31:21 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232234-sec-approves-finra-proposal-on-mbs-reporting</link>
    </item>
    <item>
      <title>SFA Working on Issues in Residential MBS Market</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[SFA restarted its RMBS Symposium event this week, with an agenda driven by issues under consideration at committees and task forces within the association.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232164</guid>
      <pubDate>Thu, 19 Sep 2024 16:24:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232164-sfa-working-on-issues-in-residential-mbs-market</link>
    </item>
    <item>
      <title>Grapevine: Ginnie Cyber Requirements; SEC Enforcement Actions</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Ginnie issuers say cyber reporting standards are too onerous; SEC fines CLO manager; SEC fines rating services for inadequate recordkeeping; T-Mobile ABS sputters; DoubleLine reduces management fee.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232023</guid>
      <pubDate>Thu, 05 Sep 2024 15:31:27 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232023-grapevine-concerns-about-ginnie-cyber-requirements-sec-enforcement-actions</link>
    </item>
    <item>
      <title>NAIC Proposal on Credit Rating Alteration Stalls</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[A task force at the National Association of Insurance Commissioners recommended adoption of a proposal to alter credit ratings on investments at insurance companies. However, NAIC didn’t move forward with the proposal at a meeting last week.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231905</guid>
      <pubDate>Thu, 22 Aug 2024 16:53:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231905-naic-proposal-on-credit-rating-alteration-stalls</link>
    </item>
    <item>
      <title>Uncertainty on Fed Moves an Issue for Treasuries</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Researchers show that an increase in uncertainty about the Fed’s balance sheet policy boosts the yield on long-term Treasuries and increases the duration of non-agency MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231767</guid>
      <pubDate>Thu, 08 Aug 2024 16:51:38 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231767-balance-sheet-policy-and-the-market</link>
    </item>
    <item>
      <title>Government Has Options for Boosting Non-Agency MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The non-agency market could gain from a reduction in GSE loan limits, revision in capital requirements for banks and updated requirements for publicly registered securitizations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231590</guid>
      <pubDate>Thu, 18 Jul 2024 16:46:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231590-government-has-options-for-boosting-non-agency-mbs</link>
    </item>
    <item>
      <title>Flood Risk and Non-Agency MBS Performance</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Lenders are compensating for climate change by requiring higher downpayments for properties in areas of higher flood risk and increasing subordination levels in securities with a higher concentration of mortgages in flood zones.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231355</guid>
      <pubDate>Thu, 20 Jun 2024 17:25:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231355-flood-risk-and-non-agency-rmbs-performance</link>
    </item>
    <item>
      <title>Some Risks as ABS Issuers Use AI for Underwriting</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[As AI becomes ubiquitous in both the origination and securitization of loans, the U.S. regulatory framework is likely to evolve closer to the stricter rules used in the European Union.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231278</guid>
      <pubDate>Thu, 13 Jun 2024 17:17:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231278-prospects-for-ai-in-structured-finance</link>
    </item>
    <item>
      <title>SEC Reviewing FINRA Rule on MBS Trade Reporting Timeframe</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[A proposal from FINRA to reduce the timeframe in which trades of MBS and ABS must be reported didn’t sit well with some industry participants, prompting the SEC to take a closer look at the proposal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230898</guid>
      <pubDate>Thu, 02 May 2024 16:55:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230898-sec-reviews-finra-proposal-on-mba-abs-trading</link>
    </item>
    <item>
      <title>Regulators Consider Revisions for Capital Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Federal Reserve Governor Michelle Bowman highlighted issues in the proposed rule that impact MBS and ABS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230822</guid>
      <pubDate>Thu, 25 Apr 2024 16:45:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230822-regulators-consider-revisions-for-capital-proposal</link>
    </item>
    <item>
      <title>SFA Seeks Clarification From CFPB on QM Standards</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Structured Finance Association, which is developing a compliance tool to facilitate uniformity in the non-agency MBS market on QM standards, has run into a vexing issue regarding the definition of a QM.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230452</guid>
      <pubDate>Thu, 14 Mar 2024 16:30:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230452-sfa-seeks-clarification-from-cfpb-on-qm-standards</link>
    </item>
    <item>
      <title>Study Says MBS Issuance Helps Spread Climate Risks</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The diversification inherent in MBS may be the ideal tool to combat climate risk in housing finance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230477</guid>
      <pubDate>Thu, 14 Mar 2024 16:11:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230477-securitizing-away-climate-risk</link>
    </item>
    <item>
      <title>Banks, Investors Showing Strong Interest in CRT Issuance</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Regulators are pushing higher capital requirements on banks and looking favorably at credit-risk transfer transactions, helping to increase CRT issuance. Investor demand for bank CRT is also outstripping supply.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230399</guid>
      <pubDate>Thu, 07 Mar 2024 16:51:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230399-banks-investors-showing-strong-interest-in-crt-issuance</link>
    </item>
    <item>
      <title>SEC Willing to Help Issuers on Conflict Rule Compliance</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[New prohibitions against conflicts of interest in the MBS and ABS market will take effect in June 2025. But SEC officials are urging industry participants to raise compliance concerns, if any, as soon as possible.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230339</guid>
      <pubDate>Thu, 29 Feb 2024 15:52:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230339-sec-willing-to-help-on-implementation-of-conflicts-rule</link>
    </item>
    <item>
      <title>QM Changes Add Complications for Loans in MBS</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[New standards for qualified mortgages have created documentation hurdles for lenders and loan aggregators.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229760</guid>
      <pubDate>Thu, 21 Dec 2023 14:03:41 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229760-qm-standard-changes-add-complications-to-loans-in-mbs</link>
    </item>
    <item>
      <title>SIFMA Details Punitive Impact of Capital Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Proposed capital requirements for large banks would create “perverse incentives” for banks regarding securitization activity, according to a new analysis by the Securities Industry and Financial Markets Association.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229644</guid>
      <pubDate>Thu, 07 Dec 2023 15:42:53 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229644-sifma-details-punitive-impact-of-capital-proposal</link>
    </item>
    <item>
      <title>SEC Final Rule on Conflicts of Interest More Palatable</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The SEC has finalized a rule prohibiting certain conflicts of interest in the securitization market. Industry participants are largely happy with changes in the final version of the rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229584</guid>
      <pubDate>Thu, 30 Nov 2023 17:10:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229584-sec-rule-on-conflicts-of-interest-seen-as-workable</link>
    </item>
    <item>
      <title>SEC Provides Relief on Disclosure Standard for 144A Issuance</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The change in course was fueled by mounting pressure from industry participants and members of Congress, among other stakeholders.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229378</guid>
      <pubDate>Thu, 09 Nov 2023 17:00:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229378-sec-provides-relief-on-disclosure-standard-for-144a-issuance</link>
    </item>
    <item>
      <title>House Lawmakers Call on SEC to Rein in Proposal</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[A 25-member bipartisan House group has called on the SEC to revise its proposed rule on conflicts of interest in the securitization market. The lawmakers said the SEC, in making the rule, went well beyond what was required by the Dodd-Frank Act.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229333</guid>
      <pubDate>Thu, 02 Nov 2023 17:01:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229333-house-lawmakers-call-on-sec-to-reign-in-proposal</link>
    </item>
    <item>
      <title>Redwood’s Jumbo Business Up Thanks to Banks</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Redwood Trust has increased its partnerships with banks as it expands its jumbo mortgage acquisitions in the third quarter.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229326</guid>
      <pubDate>Thu, 02 Nov 2023 16:52:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229326-redwood-trust-grows-jumbo-portfolio-as-banks-offload-non-agency-loans</link>
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