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Articles about Dodd-Frank


Residential | March 2019 
A New HMDA Show Is Debuting at a Lender Near You
Nearly four years ago, the Consumer Financial Protection Bureau (CFPB) issued a rule requiring lenders to gather a greatly expanded range of data under the decades-old ...
By Jim Lochbihler, senior consultant, Wolters Kluwer

Residential | December 2018 
Be Prepared for the Low-Appraisal Blues
Once contracts are executed and the earnest-money check clears the bank, homebuyers likely set their sights on finalizing financing.  And why not? With interest rates in the 5 percent range and rising...
By Leslie Heimer, relationship manager, American Liberty Mortgage

Residential | November 2018 
Viewpoint: It’s Time for a New Regulatory Paradigm
Ten years ago, Lehman Brothers went bust, followed in short order by a collapse of our nation’s housing markets and the worst economic downturn since the Great Depression. Congress responded with swee...
By Scott Olson, executive director, Community Home Lenders Association

Residential | June 2018 
Don’t Let Good Loans Slip Through the Net
The mortgage industry is seeing a growing demand for non-qualified mortgages. These are typically quality loans that simply fall short of meeting the strict “qualified mortgage” standards set for loan...
By Raymond Eshaghian, president and founder, Greenbox Loans Inc

Residential | March 2017 
Did Mortgage Reform Miss the Mark?
The mortgage crisis sparked numerous regulatory changes that addressed actual and perceived causes of the crisis. The effectiveness of these changes varied widely. Some have helped, while others actua...
By William P. Matz, Attorney and Broker

Commercial | February 2017 
Lending's Perfect Storm
With new regulations taking effect and interest rates on the rise, commercial lenders and brokers can sense a storm on the horizon. The path to success in the coming year is sure to be paved with new ...
By Shawna Phelan, chief financial officer, SDC Capital

Residential | January 2017 
What Lies Ahead in 2017?
As the years come and go, so do trends in fashion, food, technology and business. From bell bottoms and fusion cuisine to social media and webinars, we usher in new trends and bid farewell to old ones...
By Greg Holmes, national director of sales and marketing, Credit Plus Inc.

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.

Residential | November 2014 
The Current State of Industry Regulation
Mortgage professionals are acutely aware of the actions taken by Congress through the Dodd-Frank Wall Street Reform and Consumer Protection Act, as implemented by the Consumer Financial Protection Bur...
By Stanley M. Gordon, managing member, Gordon & Associates

Residential | November 2014 
Part One: How to Combine Your Disclosures
Nine months from now, on Aug. 1, 2015, the final rule integrating the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) mortgage disclosures will become effective. The Dodd...
By Richard Horn, partner, Dentons US LLP

Residential | September 2014 
The Future of Dodd-Frank Reform
A few readers may be familiar with the bayan, which is essentially the Russian equivalent of an accordion. Similar to any accordion, the bayan produces music by the constant motion of compressing and ...
By Cody Miles, inbound-marketing director, MortgageDashboard

Residential | March 2014 
Getting Better All the Time
Although it’s still in the process of being implemented through the regulations of the Consumer Financial Protection Bureau (CFPB), the Dodd-Frank Wall Street Reform and Consumer Protection Act has ...
By Stanley M. Gordon, managing member, Gordon & Associates

Residential | February 2014 
Find the Right Fit of Niches
In the past, mortgage companies created a culture of niches. Mortgage professionals offered unique products and pricing to stand out from the competition. But new regulations brought about by the Do...
By Patti White, vice president, correspondent lending, Norcom Mortgage

Residential | February 2014 
Tapering Expectations for 2014
Will the Federal Reserve taper off its quantitative-easing (QE) policy that has bolstered home values and kept mortgage interest rates low? Will new regulations brought by the Dodd-Frank Wall Street R...
By Rick Tobin, real estate financier, First Financial Bancorp

Residential | November 2013 
Investing in a Compliant Future
Regulators and the influence they wield have long been an aspect of financial institutions’ everyday business. From the Office of the Comptroller of the Currency (OCC) to the Federal Deposit Insurance...
By Matt Seu, principal, Actualize Consulting


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