Opinions

One step the government can take is to create a unified office dedicated to housing finance and policy to streamline existing agencies and programs and make them more efficient.

The Consumer Financial Protection Bureau on Friday said Moneytree Inc. mislead consumers about the price of its check-cashing services, falsely threatened to repossess vehicles and withdrew funds from consumers' accounts without authorization.

The transition team for President-elect Donald Trump is considering several candidates to fill key spots at the Department of Housing and Urban Development and Federal Housing Administration, including a home builder and former lender.

Much of regtech focuses on automating compliance functions, but the human eye is still needed in some cases. Royal Bank of Canada and D+H have developed an assessment tool designed to help employees do their jobs better.

Although Steven Mnuchin has close ties to Wall Street and was involved in some contentious deals, Democrats face an uphill battle making the case that those connections disqualify him to serve as Treasury secretary.

A federal judge heard arguments from ICBA and NCUA on whether to dismiss the banking group's legal challenge to the credit union regulator's changes to the member business lending rule. A decision on the dismissal could come as early as January.

Borrowers served by the FHA program, particularly first-time buyers and minorities, have benefited from nonbanks' increase in lending. Those independent lenders should be commended for filling a gap.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

A regulatory 2017 scorecard for Fannie Mae and Freddie Mac calls on the firms to transfer a significant portion of credit risk to third-party private investors on at least 90% of unpaid principal balance of newly acquired single-family mortgages.

With the completion of the final total loss absorbing capacity and bank regulators' decision this week to approve the living wills of all but one of the large banks, industry representatives are claiming victory in the battle to prevent future government bailouts. But some critics aren't so certain.