Underwriting

Banks' lowering of origination fees and loosening of underwriting standards often foreshadow a downturn.

Now that the Consumer Financial Protection Bureau says it will scrap an unpopular standard for so-called qualified mortgages, the big question is what will take its place.

After maintaining a $250,000 exemption threshold for real estate appraisals for nearly 20 years, the National Credit Union Administration is set to raise that limit to $400,000.

Director Kathy Kraninger has told lawmakers that the agency will delay the expiration of the so-called QM patch, now set for January 2021.

The housing market has changed dramatically since 2002 but the current appraisal limit has not. It's time for NCUA to catch up.

Fannie Mae and Freddie Mac’s exemption from the Qualified Mortgage rule is on borrowed time, but a House bill would allow lenders to use the mortgage giants’ guidelines for documenting borrower income.

Regulators should consider online lending and a list of what loans qualify for CRA credit in any revamp of the outdated law.

The mortgage industry has put more emphasis on organizing data in a digital manner and presenting it in an easily digestible format.

A year after the major credit bureaus agreed to strip tax liens and civil judgments from consumers' credit files, a new study says it is hampering lenders' credit decisions. But proponents of the move insist it was the right call.

New unit will work with foreign governments; standards too soft on those without conventional paychecks.