April 24, 2017
What is the Debt to Income Ratio?
OppLoans.com quoted me in What is the Debt to Income Ratio? It opens, One of the great things about credit is that it lets you make purchases you wouldn’t otherwise be able to afford at one time. But this arrangement only … Continue reading
April 24, 2017 in Regulation | Permalink | No Comments
April 21, 2017
Kafka and the CFPB
The Hill published my latest column, The CFPB Is a Champion for Americans Across The Country. It opens, Republicans like Sen. Ted Cruz (R-Texas) have been arguing that consumers should be freed from the Consumer Financial Protection Bureau’s “regulatory blockades and … Continue reading
April 21, 2017 in Regulation | Permalink | No Comments
April 20, 2017
Blockchain and Real Estate
CoinDesk.com quoted me in Land Registry: A Big Blockchain Use Case Explored. It opens, With distributed ledger technology being promoted as a benefit to everything from farming to Fair Trade coffee, use case investigation has emerged as a full-time fascination for … Continue reading
April 20, 2017 in Regulation | Permalink | No Comments
April 19, 2017
How Tight Is The Credit Box?
Laurie Goodman of the Urban Institute’s Housing Finance Policy Center has posted a working paper, Quantifying the Tightness of Mortgage Credit and Assessing Policy Actions. The paper opens, Mortgage credit has become very tight in the aftermath of the financial … Continue reading
April 19, 2017 in Regulation | Permalink | No Comments
April 17, 2017
This Is What GSE Reform Looks Like
The Federal Housing Finance Agency’s Division of Conservatorship release an Update on Implementation of the Single Security and the Common Securitization Platform. As I had discussed last week, housing finance reform is proceeding apace from within the FHFA notwithstanding assertions … Continue reading
April 17, 2017 in Regulation | Permalink | No Comments
April 13, 2017
Fannie + Freddie = Frannie
The Federal Housing Finance Agency released its 2016 Scorecard Progress Report. It contains some interesting information about the FHFA’s ongoing efforts to reshape Fannie and Freddie notwithstanding the inaction of Congress. These efforts are not broadcast very clearly, but they … Continue reading
April 13, 2017 in Regulation | Permalink | No Comments
April 12, 2017
Skinny Budget Sucker Punch
The Waco Tribune-Herald quote me in Cutting Habitat Could Hurt Local Economy. It reads, Last summer, through a series of tragic events, one of our longtime church members faced the frightening possibility of homelessness. She had lived with her father for … Continue reading
April 12, 2017 in Regulation | Permalink | No Comments
