Legal drama, economic uncertainty, shifting rate expectations, and nuanced capital market discussions, all playing out against a stagnant...

This article was contributed by Prime Lending . Wouldn’t it be easier if you could roll out of bed, throw on your robe and slippers, grab...

Trade drama, inflation signals, and Fed caution, oh my! All weighed heavily on the mortgage and housing sectors. President Trump extended...

The U.S. housing and mortgage landscape is showing increasing signs of strain amid economic headwinds, rising rates, and shifting policy....

And it still plagues industry and consumers alike Back in early 2020, in just my third Mortgage Musing, I joked that the...

For the summer doldrums, there is certainly a lot to report on this week: a volatile mix of legal developments, economic data, and policy...

Markets continue to anticipate at least one Federal Reserve rate cut by year-end, though a move at the July meeting now seems wholly...

Prior to today's robust June payrolls report, Treasury yields drifted toward the lower end of recent ranges this week, buoyed by falling...

Trigger leads, Twitter feeds, and the changing DC game The headline in the June 24, 2025 Mortgage Bankers Association’s Newslink read,...

This week in the mortgage industry was defined by a confluence of political speculation, shifting economic data, and renewed momentum in...

Understanding the Tradeoffs Liquidity and credit boxes My Uncle Jerry passed away 5 years ago , but he was a great storyteller. Among his...

DI (and DEI) get a reckoning in Trump 2.0 LIRC’ing for over 30 years After working almost 5 years at large law firm in Chicago, and right...

Why we need the CFPB? The above photo for fast-food financing was not AI generated. It is a real pop-up store that actually appeared in...

Dear Messrs. McKernan, Vought, Calabria, Musk, et. al., I am the author of a cynical, snarky and heavily footnoted free mortgage industry...

Last May, on the heels of the CFPB’s appropriation case being upheld by the Supreme Court,[1] I agreed with the Mortgage Banking...

Facebook’s Mark Zuckerberg popularized the ‘tech bro-ish’ saying, “ Move fast and break things ”, but it has clearly been adopted by Elon...

Let’s go DOGE! Now that the Inauguration is over ( and Vivek Ramaswamy has apparently resigned ), I owe Elon Musk and the Department of...

Happy holidays from CFPB? With the holidays falling mid-week, I had expected a quiet year end where I could put these Musings away for a...

The Department of Government Efficiency More often than not, I write this cynical and often sarcastic blog to complain about inefficient...

Enforcement’s Failure I have written numerous times about the failure of 50 years of fair lending enforcement to move the needle for...