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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.

  1. Bank of America was the leader in this study, with Rocket as the only nonbank mortgage lender which got a score higher than the industry average. View the full article

  2. Since the first day of the meeting, the 10-year Treasury yield has increased 16 basis points, with mortgage rates rising as a result, various trackers showed. View the full article

  3. Rising labor and material costs could weigh on final expenses, despite a slower summer for hurricane and tornado claims, according to Verisk. View the full article

  4. A bipartisan housing provision has emerged as a critical negotiating point for passage of an uncommonly bank-relevant defense authorization bill. View the full article

  5. Research from Andrew Davidson claims a significant number of mortgage borrowers would have a wide variance in credit score if less than three pulls are used. View the full article

  6. Competition that impacted margins and prepayments in excess of expectations were challenges during the period, but executives report first quarter improvement. View the full article

  7. The brokerage alleges Zillow uses "anticompetitive tactics" to bar listings that haven't been posted to a local multiple-listing service, or MLS, within 24 hours of them being publicly marketed. View the full article

  8. ETHZilla partnered with Zippy to bring manufactured home chattel loans on-chain as tokenized real-world assets. View the full article

  9. A markup of the bipartisan Housing for the 21st Century Act was passed by a 50-to-1 margin by the House Financial Services Committee earlier this week. View the full article

  10. Connecticut banking officials cited a series of alleged violations, including false and misleading statements and failure to maintain complete loan files. View the full article

  11. The Consumer Financial Protection Bureau, building on an executive order by President The President, wants to eliminate the legal framework of "disparate impact" from its implementation of the Equal Credit Opportunity Act. View the full article

  12. How decisions in construction and property oversight can reshape multifamily loan performance. View the full article

  13. The documents that the Housing Policy Council obtained from FHFA show past debate over one newer score and concerns about a single report with redacted context. View the full article

  14. Active listings grew 7.9% year over year in February, but just 0.2% month over month, reaching more than 914,000 homes on the market, according to Realtor.com. View the full article

  15. 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

  16. In its so-called quarterly refunding statement Wednesday, the Treasury department said it anticipated keeping auction sizes unchanged for nominal notes, bonds and floating-rate notes, "for at least the next several quarters." View the full article

  17. The mortgage broker trade group put out a white paper calling for lowering transaction costs, increasing housing supply and reducing regulatory barriers. View the full article

  18. Proxy advisory firm Institutional Shareholder Services recommended approval of Fifth Third's $10.9 billion proposed acquisition of Comerica. View the full article

  19. Senate Banking Committee ranking member Elizabeth Warren, D-Mass., led a group of congressional Democrats in a letter to bank regulators telling them that loosening capital rules wouldn't improve the Treasury market's functioning. View the full article

  20. Artificial intelligence isn't an algorithmic takeover but an essential wealth management tool. View the full article

  21. The company cited efforts to improve profitability behind its decision, with Popular joining a line of other banks in ending mortgage operations in 2025. View the full article

  22. Defendants argued the vendor doesn't operate a pricing algorithm, and said some of the implicated home loan players never used the software. View the full article

  23. Pfotenhauer held many positions in the mortgage and title industries in his long career, including being the chair of Merscorp, MORPAC and MISMO. View the full article

  24. Tri-merge mandates prop up a credit bureau/FICO oligopoly, raising mortgage costs with little benefit despite risk concerns, the chairman of Whalen Global Advisors argues. View the full article

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