FDIC

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September 28, 2017 - Inside Mortgage Finance

Banking Regulators Propose MSR Break for Smaller Banks

Federal banking regulators this week formally proposed changes to capital rules that would give smaller institutions more leeway to hold mortgage-servicing rights. Current rules require banks to take capital deductions for any MSR holdings that exceed 10 percent of tier 1 capital. Some say this requirement has contributed to the banking industry’s retreat from the mortgage servicing business. The proposal would raise...


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