January 15, 2014
State of the Union’s Rental Housing
The Joint Center for Housing Studies of Harvard University released its report, America’s Rental Housing: Evolving Markets and Needs. The report notes that Rental housing has always provided a broad choice of homes for people at all phases of life. … Continue reading
January 15, 2014 in Regulation | Permalink | No Comments
January 13, 2014
Social Security Numbers for Mortgages
McCormick and Calahan have posted Common Ground: The Need for a Universal Mortgage Loan Identifier, a Department of the Treasury Office Financial Research Working Paper (#0012). They argue that The U.S. mortgage finance system is a critical part of our … Continue reading
January 13, 2014 in Regulation | Permalink | No Comments
January 9, 2014
Weigh in on Mortgage Closing “Pain Points”
The Consumer Finance Protection Bureau has issued a Request for Information Regarding the Mortgage Closing Process. The CFPB wants information from the public about mortgage closing. Specifically, the Consumer Financial Protection Bureau (CFPB) seeks information on key consumer “pain points” … Continue reading
January 9, 2014 in Regulation | Permalink | No Comments
January 8, 2014
CFPB’s Regulatory Agenda — Collect More Data!
The Consumer Financial Protection Bureau has published its Semiannual Regulatory Agenda in the Federal Register. Of note are amendments to the Home Mortgage Disclosure Act’s Regulation C. These amendments are in the prerule stage. The Agenda states that HMDA requires … Continue reading
January 8, 2014 in Regulation | Permalink | No Comments
January 7, 2014
Preserving NYC’s Affordable Housing Stock
The housing folks in the De Blasio Administration may want to take a look at a recent article in the Journal of Affordable Housing by Sullivan and Power. Coming Affordable Housing Challenges for Municipalities After the Great Recession (also on … Continue reading
January 7, 2014 in Regulation | Permalink | No Comments
January 6, 2014
A New History of Mortgage Banking — Part Two!
I know, I know, you can’t get enough of this stuff. Yesterday, I noted a couple of highlights from Mortgage Banking in the United States 1870-1940. The last part of the report carefully documents how various players in the urban … Continue reading
January 6, 2014 in Regulation | Permalink | No Comments
January 3, 2014
A New History of Mortgage Banking
Yes, I know, a dry subject for most. But for some nerds, there are lots of insights in Mortgage Banking in the United States 1870-1940. The author, Kenneth Snowden, highlights this finding, which gives more credit to the Federal Farm … Continue reading
January 3, 2014 in Regulation | Permalink | No Comments
