February 26, 2019

The CFPB's Ability-to-Repay Rule and the Qualified Mortgage safe harbor just hit the 5-year mark. The Bureau's recently-released assessment stated that  increased costs to originate mortgages and the general lack of credit availability to prospective homeowners is NOT the result of the ATR/QM rule, but nonetheless is fully aware that the temporary "GSE patch" (which expires in less than 2 years) expands the QM definition and currently accounts for 21% of all originations, which represents a failure of the Rule to achieve its desired goals.

The Bureau is expected to issue a proposed rule to fix several problems in 2019. Listen in as the ABA's Rod Alba and I discuss what to expect in the coming year.

February 19, 2019

Did you miss the MBA's Independent Mortgage Bankers Conference? Then join Fowler Williams and I as he gives his impressions of the state of the IMBs, and we discuss mortgage technology as it evolves from a compliance automation tool to a borrower experience and process improvement solution.

February 12, 2019

Compliance officers are more important than ever in today's lending environment. So why don't they always have a seat at the table? Listen in as Jeanne Brown and I discuss the key issues.

January 15, 2019

Regina Lowrie updates us on wire transfer fraud and Business E-Mail Compromise (BEC) - a sophisticated scam targeting businesses working with foreign suppliers and companies that regularly perform wire transfer payments. The scam is carried out by compromising legitimate business e-mail accounts through social engineering or computer intrusion techniques to conduct unauthorized transfers of funds.

January 7, 2019

Susan Milazzo joins us to discuss the latest challenges to lenders in California, including a tough originations market, the need to adopt technology, issues facing California employers and much more. 

December 18, 2018

Today, a discussion with 3 mortgage compliance thought leaders about how to "do more with less" in the face of rising interest rates and margin compression. Is technology the solution, are people and processes the key or is it establishing a good compliance culture at the top? How should we deal with the growing uncertainty from leadership changes at both the CFPB and in the House Financial Services Committee? Listen as we attempt to answer these questions and much more.

November 27, 2018

Burt Embry is back with Part 2 of his podcast, where we explore the new era of relaxed enforcement by the Bureau. Are lenders free to ignore past precedent or should they beware of what is coming in the next 2-3 years? Listen in to find out more.

November 20, 2018

Wishing you a happy and festive holiday with family and friends! We will return next week with another episode of Compliance Insiders.

All the best,


November 13, 2018

Jeremy Potter and I discuss marketing to millennials and the challenges faced with consistently projecting an authentic image without coming off as cheesy. Listen in as we discuss ideas that allow lenders to reach this growing market while potentially scoring points with regulators.

Please reload




The information contained herein is opinion only and is not, nor should it be construed as, legal advice. No attorney-client relationship exists. This is not attorney advertising and is not a solicitation for legal services.

© 2017 Roger Fendelman. All rights reserved. "Bridging the Gap Between Compliance and Technology" and "Compliance Insiders" are service marks of Roger Fendelman.