by Michael | Jun 3, 2026 | Uncategorized
The regulatory landscape governing fair lending has been in flux for years, but in 2025 and into 2026, new momentum has emerged around a question that once seemed settled: what role should disparate impact play under the Equal Credit Opportunity Act (ECOA) and its...
by Michael | Mar 20, 2026 | Uncategorized
Introduction A mortgage file can look flawless and still conceal serious fraud. Income may verify, the property may show well, and the title report may appear clean — yet one weak valuation or rushed title search can turn a “safe” loan into a buyback, a regulatory...
by Michael | Feb 19, 2026 | Uncategorized
Prepared by: Dan Kavanaugh Introduction Picture a file where everything looks clean: the borrower is well qualified, the contract is solid, and underwriting is moving smoothly. Then the appraisal comes in lower than expected, and a loan officer pauses with a familiar...
by Michael | Dec 8, 2025 | Uncategorized
AVM Final Rule Essential Compliance Guide for Lenders Automated Valuation Models have become the backbone of modern mortgage lending. These sophisticated algorithms analyze massive property datasets to determine real estate values with remarkable speed and...
