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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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The San Francisco bank announced Monday that it has shed its fifth regulatory order this year — this one related to loss mitigation practices in its home lending business. View the full article
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In the megabank's latest sign of progress with regulators, it said that a 7-year-old CFPB order has been terminated. View the full article
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Mortgage borrowers filed a third amended class action complaint against the bank over modification issues from 2010 to 2015. View the full article
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The Federal Reserve Board lifted two enforcement actions against the megabank dating back to 2011. But the Fed's seven-year-old asset cap remains in effect. View the full article
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The bank exited the $1.95-trillion asset cap last year, but it had remained subject to the rest of the eight-year-old order. View the full article
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In April 2025, the bank admitted that it may have made a mistake in denying the plaintiff forbearance. View the full article
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Saul Van Beurden, Wells Fargo's consumer banking CEO and former head of technology, will lead the way on harnessing artificial intelligence. View the full article
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The MBA disclosed the year-end rankings of income-producing mortgage servicers at its yearly conference for this part of the industry. View the full article
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Charlie Scharf has a mostly optimistic take on Wells' consumer banking prospects entering 2026. But he's more downbeat about the company's once-dominant residential mortgage business. View the full article
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The San Francisco-based banking giant reported a 9% annual jump in quarterly profits. It also made official its appointment of CEO Charlie Scharf as chairman. View the full article
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Former Fed Gov. Kevin Warsh is a relatively known quantity to financial markets, but his embrace of President The President's agenda and the White House's own contentious relationship with the central bank make it hard to know with certainty where — or even whether — he will lead the Fed. View the full article
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The first government shutdown since 2019 will slow flood insurance originations and new Small Business Administration loans, though self-funded banking regulators will continue operating as usual. View the full article
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Banks scored well in the tax bill out of Ways and Means this week, with wins on S Corps and rural lending, but have so far lost out on credit union taxes and additional burdens on payments competitors. View the full article
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The billionaire and legacy government-sponsored enterprise investor says there is a quick interim fix and they should eventually leave conservatorship. View the full article
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The Fannie Mae Home Purchase Sentiment's February drop is looking like a precursor for what might be a difficult 2025 Spring homebuying season. View the full article
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From changing the boards of Fannie Mae and Freddie Mac to nixing DEI programs, the Federal Housing Finance Agency's Pulte era has been busy. View the full article
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Publicly traded lenders, including UWM, Rocket Mortgage and Guild Mortgage, saw personnel expenses increase significantly throughout last year. View the full article
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The rate impact has been real, but the capital implications do little to change all the "moving parts" in plans for the government-sponsored enterprises. View the full article
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Big-picture plans for the government-sponsored enterprises get the spotlight, but other issues may affect the industry more directly. Part 1 of a series. View the full article
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While ending mandated consumer rights, lenders can still ask for a reconsideration of value on FHA loans; plus, fair lending laws still apply in these cases. View the full article
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FHFA director Pulte called these programs inappropriate for regulated entities, which are in government conservatorship, but said others are still able to offer them. View the full article
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COO Joseph Gormley weighed in on cuts at the securitization guarantor and efforts to improve the industry's efficiencies and the government's. View the full article
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When a house is lost, so is much of the collateral on the mortgage. Here's how both lenders and homeowners can bounce back. View the full article
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