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Mortgage and Home Equity
Mortgage and home equity products have received increased regulatory and legislative scrutiny over the past few years. Historically, CBA has focused on home equity as a major retail product of our members. However, the Dodd-Frank Act’s elimination of federal preemption standards previously afforded to operational subsidiaries has forced many depository institutions to internalize their primary mortgage products, making them a more traditional retail issue. CBA is focused primarily on the efforts of the CFPB to regulate in this space, including TILA-RESPA reform, Qualified Mortgage (QM) rulemaking, and Dodd-Frank Title 14 rulemaking.
- October 1, 2023Market Pulse Podcast: Delivering timely and relevant economic and credit insights to help businesses make more confident decisions. Market Pulse is produced by Equifax in partnership with Moody’s Analytics. Complementing the format of our Market Pulse webinar series, our experts provide the latest economic and credit insights to help you drive better business decisions. Episodes are released here...
- September 28, 2023 - 1:00PMPastSeptember 22, 2023 - 2:00PMPastAugust 14, 2023The crisis stemming from the Covid-19 pandemic has created significant volatility and uncertainty in the real estate market. At least 30% of Americans with home loans — about 15 million households — could stop paying if the U.S. economy remains closed through the summer of 2020 and beyond. To effectively mitigate this risk, lenders should proactively evaluate processes and technology and...August 10, 2023Home valuation has a bad reputation as one of the least predictable and poorly automated parts of the loan process. Manual processes and outdated technologies add unnecessary administrative overhead and result in miscommunication, compliance oversights and a significant drain of time, money and resources. Tech-savvy lenders are turning to appraisal management technology to streamline and automate...August 1, 2023Higher mortgage rates, record property value appreciate constrained housing inventory and economic inflation are challenging both lenders and consumers. To better understand the stat of home equity lending, Accurate Group surveyed 1,000 qualifies consumers on their intent to engage in a real estate lending transaction for a home equity loan/HELOC, existing mortgage refinance or reverse mortgage...