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

The U.S. mortgage industry has long centered around the 30-year fixed-rate mortgage, a product deeply entrenched in American financial...

An Open Letter to Policy Makers and Advocates Summary Should conservatorship of Fannie Mae (FNMA) and Freddie Mac (FHLMC) occur without...

President Donald Trump recently announced on social media that he is seriously considering taking Fannie Mae and Freddie Mac public once...

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...

Agency heads are in place. Scott Turner's publicly teased Opportunity Zones 2.0 & selling federal land for housing. The administration is...

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...

The growth of the federal government and its increasing centralization under the executive branch raise fundamental questions about the...

The Trump administration has taken an aggressive approach to downsizing government operations, leading to significant disruptions across...

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

In the mortgage industry, accurately assessing a company’s financial strength is crucial for both regulatory compliance and effective...

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

There is obviously no tariff on lenders (lord knows we have enough financial hurdles), but tariffs do impact the supply and demand 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...

By Morgan Wise, Chief Financial Officer at Atlantic Bay Mortgage Group The expiration of key provisions in the Tax Cuts and Jobs Act...

By: John Haring, Head of Compliance at Wilqo As the lending landscape evolves, so do compliance challenges. To help lenders navigate...

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

But policies impact them. Although the general population may not grasp that fact, those in our industry know better, or should. While...