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Contracts, Invoices & Legal
The operational infrastructure of a freelance business — and the area most freelancers neglect until a client dispute makes it expensive. This sub-forum covers freelance contract templates, scope creep clauses, kill fees, late payment terms, invoice structures, payment platform comparisons, and the legal protections that separate professional freelancers from hobbyists. Downloadable templates live here alongside member experiences with difficult client situations and the contract language that resolved them.
2,306 topics in this forum
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Treasury Secretary Scott Bessent said Tuesday morning that banks should focus on the sweeping deregulation the administration has enacted as the industry pushes back on President The President's proposed 10% credit card interest rate cap. View the full article
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Treasuries sold off sharply after reports Danish pension funds are exiting, steepening the yield curve as stocks fell and gold surged, according to the CEO of IF Securities. View the full article
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Hartford, Connecticut, topped Zillow's list of the hottest housing markets this year on the back of its nation-leading home-price appreciation forecast. View the full article
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The ex-employee was accused of violating conflict of interest rules and submitting falsified documents for $1.7 million worth of loans in her six-month tenure. View the full article
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Freddie Mac's investment in affordable housing increased by 17% in 2025 compared with the year prior, the government-sponsored entity said. View the full article
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Shares of Fannie Mae and Freddie Mac extended days-long losing streaks amid mounting unease about the impact of President Donald The President's policy moves on efforts to release the mortgage-finance giants from government control. View the full article
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A Community Home Lenders of America adds arguments against use of single bureau while another paper takes the position that the idea merits further study. View the full article
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The notes are expected to pay coupons of 4.94% on notes in the A1FCF tranche, rated AAA from KBRA and Fitch Ratings, to 6.78% on the B1 notes. View the full article
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Federal Reserve Vice Chair for Supervision Michelle Bowman warned that labor market conditions could weaken further and said the central bank should avoid signaling a pause in monetary policy. View the full article
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A consumer retreat contributed to the trend, which may be getting a closer look as the The President administration weighs a ban on institutional purchases. View the full article
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Confidence among US homebuilders unexpectedly fell in January, as costly sales incentives outweighed a recent boost from lower mortgage rates and the president's housing proposals. View the full article
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NAHB's remodeling index finished at its highest mark in a year, with the current industry outlook standing in stark contrast to homebuilder sentiment. View the full article
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A pair of fair housing attorneys fired by the Department of Housing and Urban Development testified the agency has stopped enforcement of those laws. View the full article
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The industry vendor SitusAMC has not publicly disclosed how many consumers, nor how many banks and lenders, were impacted in a cyberattack last fall. View the full article
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A handful of former Fed officials noted that the markets' measured response to a probe into Fed Chair Jerome Powell was a result of pushback from The President allies. View the full article
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The government securitization guarantor could move forward with more big-picture initiatives as well this year now that it officially has a confirmed president. View the full article
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Mortgage applications for new-home purchases decreased 15.2% on a seasonally adjusted basis in December, according to the Mortgage Bankers Association. View the full article
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This week the conforming 30-year fixed rate mortgage fell 10 basis points, with Optimal Blue data showing it broke through, at least briefly, the 6% level. View the full article
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United Wholesale Mortgage sees this branding partnership as an opportunity to recruit workers in its home market in the Detroit area, CMO Sarah DeCiantis said. View the full article
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The lender claims the ransomware gang behind a breach provided proof it deleted compromised customer information, and it hasn't appeared on the dark web since. View the full article
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Foreclosure filings were reported on more than 360,000 properties in the United States last year, up 14% from 2025 and 3% from 2023, according to Attom. View the full article
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AI can accelerate onboarding by providing recruits with real-time feedback, support compliance by flagging documentation issues, and close the confidence gap by offering reliable answers on the spot writes the CEO of Friday Harbor View the full article
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Largely strong credit qualities were offset because by loans on single-family homes in the pool dropping by 0.5%, and that the percentage of loans that received due diligence decreased by 0.4%. View the full article
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US mortgage rates fell last week to the lowest level since September 2024, a hopeful sign for the sluggish housing market to start the new year. View the full article
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