Underwriting

The key word is "temporary" with the FHA's quality control waiver expiring and not likely to be renewed.

Citing possible exploitation, Bank of America instituted a policy that put limits on loans to persons in guardianship. It later ended the policy.

Lenders need to use alternative data as an overlay to traditional underwriting methods to help creditworthy customers in hardship because of the coronavirus crisis.

The availability of some loans used to build homes dried up due to the coronavirus. Opening up the economy may help if it doesn't lead to a spike in infections, and if consumer demand persists.

Mortgage rates are at record lows, but borrowers hoping to take advantage are running into the toughest loan-approval standards in years.

The Federal Housing Finance Agency authorized the government-sponsored enterprises to lend additional support to the mortgage-backed securities market and temporarily allow some flexibility in lending requirements to address coronavirus-related concerns.

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Regulators should consider online lending and a list of what loans qualify for CRA credit in any revamp of the outdated law.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

The Federal Housing Administration updated its lender certification proposal originally issued this past May, as it looks to ease industry concerns on False Claims Act enforcement.

The Department of Housing and Urban Development will remove some barriers to government-insured condominium lending next month, including a post-crisis measure housing industry groups have long complained about.

A handful of institutions in the last year have rolled out loan programs targeting members of the military and first responders, but there could be risks associated with these mortgages if the economy takes a nosedive.

As lawmakers meet this week to discuss artificial intelligence, they should work with regulators to create universal and workable definitions.