Scaling from Freelancer to Business Owner

Now that the Consumer Financial Protection Bureau has refused to request funding from the Federal Reserve System, many experts see the case making its way to the Supreme Court. View the full article

Treasury Secretary Scott Bessent said the Federal Reserve Board should reject the renomination of any regional Federal Reserve Bank presidents who have not lived in their districts for three years, signaling a potential confrontation when reappointments come before the board in February. View the full article

US consumer spending stalled in September, suggesting Americans were already stretched going into the government shutdown in the face of stubborn inflation. View the full article

November rate locks fell seasonally but hit their strongest level since 2021, led by refis, while lenders shifted more loans to the GSE cash window. View the full article

On Thursday, prosecutors unsuccessfully tried again to ask a grand jury in a different Virginia court to return an indictment. View the full article

The Federal Reserve Board of Governors voted Wednesday to reappoint 11 sitting regional Fed presidents, without any dissents. The move precludes any effort the White House might have made to pressure the board to deny reappointments. View the full article

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

For 2026, the mortgage industry operating environment will improve, while nonbank financial metrics should be within Fitch's rating criteria sensitivities. View the full article

Confidence among US homebuilders edged up in December as builders continued to deploy sales incentives to motivate buyers. View the full article

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

The bill's signing comes weeks after one of the most notorious NTRAP providers agreed to legal settlements in two states, nullifying existing contracts. View the full article

Monthly excess spread will confer credit enhancement to the notes, KBRA said, and while it will be released it will not be available as credit enhancement in future payment periods. View the full article

The Massachusetts Democrat requested to see records related to second liens that banks were required to expunge per terms of the 2012 mortgage settlement. View the full article

Our experts expect a mortgage market reset in 2026 with an uptick in originations, but warn lenders not to skimp on compliance even as the reins loosen. View the full article

The carryovers range from some $2.4 million in California and some $1.9 million in Texas to $44,851 in Alaska and $39,297 in Vermont. View the full article

The national mortgage delinquency rate jumped to 3.85% in November, up 15% month over month and 2.79% year over year, according to ICE Mortgage Technology. View the full article

The bank regulator is proposing to strengthen national preemption in the wake of conflicting decisions in related court cases. View the full article

Rialto Capital allegedly engineered a way to keep it in default so that the company could win extra fees over time, according to a lawsuit filed Tuesday. View the full article

Patrick Terrance Donlon, CEO of Trusted American Mortgage, settled allegations from 21 states another person took industry education courses for him. View the full article

Kind Lending, Class Valuation, also add CFOs, Mortgage Capital Trading boosts artificial intelligence efforts and Acra welcomes an industry veteran. View the full article

After the ceremony on Thursday, Mamdani announced three executive orders focused on housing affordability to kickstart his agenda. View the full article

Minneapolis Federal Reserve President Neel Kashkari said on CNBC that both sides of the central bank's dual mandate show signs of imbalance, with the labor market appearing more vulnerable. View the full article

The deal comes as technology experts see likely 2026 artificial intelligence breakthroughs in mortgage to come through improved underwriting. View the full article

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

Traders are bracing for a range of Fed outcomes: some hedging flows have favored outlier dovish scenarios and other trades have focused on the possibility that the Fed forgoes a move at one meeting. View the full article