Mark McArdle leads regulatory affairs at Newrez, a top U.S. mortgage originator and servicer. He previously served as assistant director of mortgage markets at the CFPB, modernizing HMDA and leading COVID-19 mortgage responses. Previously at the Treasury Department, he managed TARP and helped design HAMP and the Hardest Hit Fund. With a master’s in urban planning, McArdle has over 20 years of experience in housing policy across nonprofits and government in Chicago, New York and Washington, D.C. This article reflects the view of the author only.