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.

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.

November 5, 2018

Burton Embry and I tackle the issue of what additional risks mortgage lenders are taking on to remain competitive, specifically risks that may potentially violate the LO Comp rule. Listen in as Burt and I explore the issue and what may be permissible.

October 30, 2018

Social media monitoring of your loan originators is a hot topic right now filled with risks and challenges for the lender. What happens when your top-producing LO is found to have made statements on her Facebook page that could ultimately result in litigation or a UDAAP claim by a regulator? Listen in as Carmella and I discuss what you should be thinking about.

February 20, 2018

Let's face it...compliance risk management isn't sexy (even by compliance geek standards), but it has a tremendous impact on your company's bottom line. Technology issues, training and constantly changing laws mean there's always a technical violation waiting to happen, but we don't always have the staffing we need. Listen as Ray and I discuss the mortgage general counsel's view of what effective compliance risk management looks like when you're faced with difficult decisions that happen every day. We tackle real-world examples and show you effective ways to deal with them.

January 30, 2018

Many in the mortgage industry are rejoicing at the recent sea change at the CFPB and believe we are entering a new era of relaxed enforcement. However, many states appear to be dismayed by the recent turn of events in Washington and are trending towards heightened examinations in a post-Cordray era. Listen in as Burt and I discuss the issue in more detail. Be prepared!

January 16, 2018

Josh is back once again to discuss what every compliance officer should be thinking about in 2018. 



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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.