How are you handling QM Points & Fees?
Today we'd like to look into the QM points & fees issue. We've been hearing from some organizations that this is not an important...
What will be your policy for non-QM lending?
As our senior compliance guy, Jerry Tracey, likes to say--there is no regulation that requires the bank to lose money. This is true even...
How is your organization bracing itself for the influx of home equity lending?
These aren't the best of times ... rates are increasing, business is dwindling, and regulatory implementation is on everyone's minds....
What is the scope of the ability-to-repay rule and how will you develop policies & procedures t
As you know, the new mortgage regulations greatly increase the risk (both likelihood and magnitude) of noncompliance. Originating...
"Modification" versus "Refinancing:" Does the Ability-to-Repay Rule apply? (and
As you are well aware, the new ability-to-repay standards apply to mortgage loan refinances, but not to modifications (same with loan...