Viewpoints: Mortgages
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2009
Viewpoint: Mortgage Reform Plans Fail to Look Forward
American Banker | Oct 9 Reforms that accelerate consolidation into the hands of a few large megalenders would not be healthy for consumers or regulators. Consumers benefit most from a range of origination sources.
Viewpoint: Our System for Housing Finance Must Be Fixed
American Banker | Oct 2 The federal government and the private sector must work together to create a stronger, balanced homeownership and rental housing infrastructure. This is essential to the economy as a whole.
Viewpoint: New Approaches to Home Equity Pricing
American Banker | Sep 18 Home equity lenders need to establish a solid analytical framework, clarify roles and responsibilities among the various areas that have an influence on pricing, and instill a sense of focus.
Viewpoint: Broaden First-Time Homebuyer Tax Credit
American Banker | Sep 11 Perhaps extending a tax credit to responsible borrowers — who do not have a history of delinquency — could be the motivating factor to bounce the real estate market.
Viewpoint: Self-Testing for Fair Lending
American Banker | Aug 28 Self-testing through various means can help financial institutions adhere to fair-lending laws while ensuring consumers receive accurate and understandable information to support credit decisions.
Viewpoint: GSE Loans to Mortgage Market Rescue
American Banker | Aug 28 Notably, the issuance of Ginnie Mae-guaranteed MBS, backed primarily by single-family mortgages, has been consistently trending upward for over a year and at record levels for the past few months.
Viewpoint: Far From Blame, States Deserve Vital Reg Role
American Banker | Aug 26 Congress should ensure that states continue to play an important role in both protecting their consumers and providing a check against what can be a slow, rigid and insulated federal bureaucracy.
Viewpoint: Two Principles Behind FHA's Sound Numbers
American Banker | Aug 19 FHA lenders have strong financial incentives to adhere to prudent underwriting standards and the FHA never wavered from requiring fully documented, amortizing loans in accordance with underwriting.
Viewpoint: Counter Systemic Risk Issues Countercyclically
American Banker | Aug 14 Fannie Mae and Freddie Mac did not create the housing price bubble, but their actions were procyclical, further inflating the bubble despite our regulatory efforts to ...
Viewpoint: The Dangers of Subjective Credit Scores
American Banker | Jul 24 The moment we insert subjective changes into the mathematical world of analytics, scores would no longer be reliable predictors of credit risk, becoming less relevant to lenders.
Viewpoint: Greater Fed Authority? Not a Great Idea
American Banker | Jul 22 Making the Fed an overall systemic regulator will imperil its independence in exercising monetary policy.
