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Articles about Regulations


Commercial | April 2015 
Are Lenders Ready to Cross the Line?
With recreational marijuana available in four states — two of them, Oregon and Alaska, newly arrived on the scene as of 2014 — and medical marijuana available in another 23, there appears to be a g...
By Glen Weinberg, chief operating officer, Fairview Commercial Lending

Residential | March 2015 
Staking out the Non-QM Space
The Qualified Mortgage (QM) standard that took effect last year has brought a welcome return to safe and responsible lending practices across the industry. At the same time, however, the QM standar...
By Brian Simon , chief strategy officer, New Penn Financial

Residential | March 2015 
A Big Issue for Small Lenders
You work for a local lender and close about 20 loans a month. You’ve been reading all the new compliance regulations, but a lot of them don’t seem to apply to you. Regardless of your volume, however, ...
By Josh Heierding, product consultant, Mercury Network

Residential | October 2005 
Want to Be a Multi-State Broker?
So your mission is to gather licenses to broker mortgage loans in all of the states in the country. Have you thought of herding cats instead? Although it’s possible to accomplish this am...
By Michael James Riley, real estate broker, California

Residential | November 2006 
Q&A: Steve Zeisel, Consumer Bankers Association
CBA Senior Counsel Steve Zeisel says his group designed as a voice for various consumer- and retail-banking interests — from home-equity lending to small-business lending. And they have clout: He es...
By Melinda Young, associate editor, Scotsman Guide Media, Inc

Residential | November 2006 
The Case for National Reform
The mortgage-lending industry has been weathering a sea change in public perception and policy in the past decade. It has not only produced substantial beneficial reform but also a regulatory rat’s ...
By Douglas L. Davies, managing partner, Davies Law Group LLC; and Bruce Volbeda, summer associate, Lane Powell PC

Residential | May 2006 
Zoning vs. Use
It’s a common scenario: The zoning of the property being financed does not match the property’s use. It may seem minor, but if you don’t know the basics about zoning, you may soon see a major roadbl...
By Kim Daugherty, senior account executive, KC Capital

Commercial | October 2007 
Good Business Requires Compliance
Does the phrase, “Hello, I’m from compliance and I’m here to help,” strike terror into your heart? It shouldn’t, as long as you’ve been following the rules. Compliance is the rule book th...
By Fred Hollister, senior vice president, director of commercial lending, Global Fundings Inc.; and Nathan LaBudde, consultant, income-property-loan

Commercial | October 2007 
The New Due-Diligence Bandwagon
Almost a year has passed since the U.S. Environmental Protection Agency (EPA) officially implemented its All Appropriate Inquiries (AAI) rule last November. The rule updated the standard requirement...
By Derek Ezovski, president and CEO, Outsourced Risk Management Solutions (ORMS) LLC

Residential | September 2007 
From the Editor
Two out of 10 borrowers can’t identify their monthly payments on their cost disclosure. Five of ’em couldn’t tell you their total loan amount. And just about all of the 10 can’t...
By Tony Stasiek, editor, Scotsman Guide Media

Residential | August 2007 
Q&A: George Kinsel, American Association of Residential Mortgage Regulators
AARMR formed in 1989 with the idea that it would be wise for mortgage regulators in different states to exchange information with one another. Association President George Kinsel, the director...
By Melinda Young, associate editor, Scotsman Guide Media, Inc

Residential | August 2007 
How Contracts Can Lead to Buybacks
Not long ago, mortgage lenders demanding that brokers buy back “bad loans” essentially didn’t exist. Today, however, they are becoming more common. Although many factors contribute to th...
By John Long, attorney, mortgage-regulatory-compliance law

Commercial | January 2015 
Look Beyond the Credit Score
Because of the economic challenges of the past five years, more and more people are dealing with credit issues. Not just borrowers serviced by the commercial mortgage brokers are affected, but also t...
By Ted Kapnek, Entrepreneur

Residential | January 2015 
Who Benefits From Alternative Lending?
In the past year, non-qualified mortgage (QM) products emerged, catering to borrowers who don’t meet the tighter mortgage requirements in the wake of the Dodd-Frank Wall Street Reform and Consumer Pro...
By Darrin Stobaugh, consultant

Residential | January 2007 
Service Trumps Price
In a world of big-box companies and industry consolidation, where many businesses are trying to be all things to all people, the time has never been better for specialization and quality service. ...
By Brett Reall, regional vice president, Aegis Funding


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