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...

Neither candidate for president discussed the dire deficits facing the United States, nor did either talk about a reduction in spending....

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

Chopra says "lawyers are leeches" In what was billed as a “fireside chat”[1] at a consumer law conference hosted by the University of...

If you truly believe in competitive markets and seek to lower mortgage costs, repeal the LO Comp Rule.   "Mr. Chopra, tear down this wall...

By Matt VanFossen, CEO of Mortgage Automation Technologies & Absolute Home Mortgage Corporation Over the past decade, the mortgage...

But first, a short poem. Politics BY WILLIAM BUTLER YEATS (1938)          ' in our time the destiny of man presents its meanings in...

How did you celebrate the 4th? Like me on the Fourth of July, I'm sure you celebrated our annual homage to freedom by re-reading the U.S....