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Articles about Regulations


Residential | August 2016 
The Devil is in the Details
The Consumer Financial Protection Bureau (CFPB) gave notice in an April 2012 bulletin that they would hold mortgage lenders accountable for the actions of their service providers. This cast a large sh...
By Angela M. Murin, president, Commonwealth USA Settlements LLC; and Shanon M. Lake-Catello, chief technology officer, Commonwealth USA Settlements LLC

Residential | August 2016 
New HMDA Rules Expand Data-Reporting Mandates
This past October the Consumer Financial Protection Bureau (CFPB) issued long-awaited final rules that completely revise the requirements of the Home Mortgage Disclosure Act (HMDA). Naturally, major r...
By Leonard Ryan, president and founder, QuestSoft Corp.

Commercial | August 2016 
Ask the Right Questions Upfront
It happens all too often. A mortgage broker submits a commercial-property loan proposal to a lender and, at some point in the process, the deal falls apart for one reason or another. More often ...
By Rob Diodato, president, York Commercial Finance

Residential | May 2016 
Prepare for the Next Wave of Compliance
At a glanceRegulators are looking at originator compensationThe Consumer Financial Protection Bureau's Regulation Z prohibits an originator's compensation from being based on any terms or conditions o...
By Corey Hulbert, associate vice president and head of sales, SmartProp at ATPR Inc.

Residential | February 2016 
For Functionality, Think Flexibility
In the mortgage industry, there was a time when bigger almost always meant better — at least when it came to mortgage-service providers. Bigger meant the capacity to manage large order volumes. Bigger...
By Matt Martin, chief executive officer, Chronos Solutions

Commercial | February 2016 
Regulations, Prices and Competition Shape Bank Lending in 2016
Key Points Lending...
By Ashley Gunn, senior banking analyst, American Bankers Association

Commercial | February 2016 
The Playbook Is Changing for High-Volatility Loans
Last year, the Federal Deposit Insurance Corp. (FDIC) implemented its Regulatory Capital Rules , a new set of directives intended to address regulatory deficiencies that contributed to the 2008 bankin...
By Mark Reese, vice president, Buchanan Street Partners

Residential | January 2016 
Say ‘Yes’ To Small-Business Owners
For big banks, small-business owners can be tricky. Their income may be difficult to verify by standard methods. Their credit scores may be lower than other borrowers. In all, despite potentially high...
By Denis G. Kelly, senior vice president of correspondent/national wholesale, Sprout Mortgage

Residential | January 2016 
TRID is a Game-Changer
In the run-up to the implementation of TRID, some mortgage-industry observers described the new consumer-disclosure regulations as a paradigm shift. Now that TRID has been in force since its o...
By Jeremy Potter, general counsel and chief compliance officer, Norcom Mortgage

Residential | January 2016 
Help Your Team Bloom
Growing a mortgage team from scratch is undeniably difficult work. If you find yourself in the position of being an ambassador for a mortgage company, charged with the tasks of growing the business an...
By Amy Tierce, vice president of sales and marketing, Mortgage Equity Partners

Residential | January 2016 
Regulations Bring Change to Hard Money Deals
The new integrated-disclosure rule known as TRID is excellent for consumers but also laborious for lenders. It will consequently have some short-term negative impact on lenders, including some hard mo...
By Yanni Raz, CEO, HML Investments

Residential | January 2016 
Absorbing the TRID Blows
It’s been a difficult few months for the mortgage industry. Facing new regulations from the Consumer Financial Protection Bureau (CFPB), the industry scrambled to prepare, and picked up several bumps ...
By Michael Chan, vice president, ComplianceEase

Residential | June 2015 
Rip off the Compliance Bandage
The mortgage world is changing. The new integrated disclosure rules going into effect in two months mean that loans you process as of Aug. 1 will face vastly different disclosure rules than loans you ...
By Melissa Kozicki, director of compliance, Mortgage Builder Software division of Altisource

Residential | June 2015 
Preparing for Regulatory Change
Mortgage lending has probably seen more regulatory changes in the last five years than in the previous 25, and another significant change is right around the corner. Come August, originators will need...
By Kari L. Karas, compliance manager, Academy Mortgage Corp.

Residential | June 2015 
Vendor Management Under the Microscope
There’s an increasing focus by the Consumer Financial Protection Bureau  (CFPB) and banking regulators on how lenders manage their myriad vendor relationships. Certainly, fines levied against lenders ...
By Regina M. Lowrie, founder, president and CEO, RML Advisors


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