As rumors of the demise of HMDA reporting swirl, as well as a 50 percent reduction in HUD headcount and actual VA cuts, think about this the next time you go into a grocery store: It’s not like lending is like buying organic meat or produce. More than in most retail transactions, the organic consumer is buying both a thing and an assurance about a thing, and stores shouldn’t misrepresent something. The consumer may be ill-prepared to deal with that.
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