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CoreLogic U.S. Housing Policy Update - October 2015

Tackling the New “Know Before You Owe” Regulations

Faith Schwartz    |    Housing Policy, Videos

As the Consumer Financial Protection Bureau (CFPB) ushers in its new “Know Before You Owe” initiative, it’s important at the outset to understand just what it is and why it’s important. The Truth-in-Lending-Act and Real-Estate-Settlement Procedures Act integrated Disclosure Rule – commonly referred to by the mortgage industry as the TRID – was...

2014 HMDA Data Gets Released

Stuart Quinn    |    Housing Policy, Mortgage Performance

On September 22, the Federal Financial Institutions Examination Council (FFIEC) released Home Mortgage Disclosure Act (HMDA) data for 2014. Newly released HMDA data provides a number of key mortgage origination metrics for the preceding year and is used by analysts and regulators to determine not...

CoreLogic U.S. Housing Policy Update- September 2015

Mortgage Credit Trends, Housing Regulatory and Legislative Environment

Faith Schwartz    |    Housing Policy, Videos

Today we are here to talk about three different areas impacting the U.S. mortgage market with regard to liquidity and advancement in the housing and mortgage space. This discussion will explore the impact of the end investors, shifting credit profile, government programs, regulations and current credit accessibility for borrowers across the credit spectrum.


Setting Goals for Affordability

FHFA Finalizes Three Year Housing Goal Targets

Stuart Quinn    |    Housing Policy

On August 19, 2015 the Federal Housing Finance Agency (FHFA) released their final rule on affordable housing goals. The FHFA took into consideration over 100 comments from a diverse set of market participants; however, the final rule did not deviate far from what was initially proposed. The balance between setting the bar too high or too low is incredibly important as it can have significant...

State of Play with GSE Risk Share...

Faith Schwartz    |    Housing Policy

Market Overview Current State

Despite being in conservatorship since 2008, Fannie Mae and Freddie Mac (GSEs), have remained a significant force in the residential and multifamily housing market. The collective strength of the GSEs and their continued importance to the national housing finance system has resulted in efforts to expand their risk sharing initiatives, in order to minimize exposure both internally and to...

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