2012

Controlling Credit Risk
Published in National Mortgage Professional Magazine (January 2012)

2011

Ability-to-Repay: The Basics and a Chart
Published in National Mortgage Professional Magazine (September 2011)

Opening a Dialogue: Elizabeth Warren and the Mortgage Industry
Published in National Mortgage Professional Magazine (July 2011)

Ability-to-Repay: Regulating or Underwriting? - Part II
Published in National Mortgage Professional Magazine (July 2011)

Mortgage Call Reports
Regulatory Compliance Outlook, Published in National Mortgage Professional Magazine
(March 2011)

NEW Risk-Base Pricing Rules - January 1, 2011
Regulatory Compliance Outlook, Published in National Mortgage Professional Magazine
(January 2011)

2010

DODD-FRANK ACT AND MORTGAGE REFORM - 3 PART SERIES

Part III: Consumer Financial Protection - Bureau and Bureaucracy
Published in National Mortgage Professional Magazine (October 2010)

Part II: Legislation - Reactive or Proactive
Published in National Mortgage Professional Magazine (September 2010)

Part I: Reformation and Regulations
Published in National Mortgage Professional Magazine (August 2010)

____________________________________________

A PROCLAMATION CONCERNING THE NEW TERM “COMPENSABLE SERVICES FEE” TO DESCRIBE COMPENSATION EARNED BY MORTGAGE BROKERS IN RESIDENTIAL MORTGAGE LOAN TRANSACTIONS
Published in National Mortgage Professional Magazine (September 2010)

FHA Issues Guidance for Lender Approvals
Published in National Mortgage Professional Magazine (July 2010)

Fannie Mae Revises Quality Control Requirements
Regulatory Compliance Outlook, Published in National Mortgage Professional Magazine
(June 2010)

Mortgage Loan Officers Lose Administrative Exemption
Regulatory Compliance Outlook, Published in National Mortgage Professional Magazine
(May 2010)

Higher Priced Mortgage Loans - Escrow Requirements
Regulatory Compliance Outlook, Published in National Mortgage Professional Magazine
(April 2010)

"Intent to Proceed" and the New Good Faith Estimate
Regulatory Compliance Outlook, Published in National Mortgage Professional Magazine (March 2010)

New RESPA Reform Rule - Overview
Published in National Mortgage Professional Magazine (January 2010)

2009

The CFPA Controversy: Asking the Tough Questions
Published in National Mortgage Professional Magazine (October 2009)

The Birth of an Agency (Consumer Financial Protection Agency)
Published in National Mortgage Professional Magazine (September 2009)

Service Release Premium vs Yield Spread Premium: Match or Mismatch?
Published in National Mortgage Professional Magazine (August 2009 Edition)

Saving the Yield Spread Premium
Published in National Mortgage Professional Magazine (July 2009)

Yield Spread Premiums: Compensation or Kickback?
Published in National Mortgage Professional Magazine (June 2009)

Yield Spread Premiums - Compensation or Kickback? (05.18.09)

Should Loan Originators be Risk Rated? (04.22.09)

The Demise of Prepayment Penalties (04.13.09)

Loan Modification Companies - A New Boom Industry (04.05.09)