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The Fair Credit Report Act (FCRA) does not place a requirement on a financial institution to provide to the consumer a copy of a credit report that the institution obtains on the consumer

Credit Reports and Credit Scores

Question: Is there a requirement to provide the credit report to a consumer? If so, do we need to also give the credit score to the consumer?

Step Inside Ginnie Mae: Lowering of Mortgage Insurance Premium Good for Middle Class Families, Housing Industry

President Obama’s recent announcement that the Federal Housing Administration (FHA) would lower its mortgage insurance premium (MIP) by a half a percentage point for new and refinanced loans, from 1.35 to 0.85 percent, highlighted one of Ginnie Mae’s most important

Step Inside Ginnie Mae: What’s Next for the Housing Finance Industry?

Following considerable effort to enact housing finance reform during the 113th Congress that concluded last year, legislators appear to have hit the “pause button” on reform efforts during the early days of the 114th Congress.

Step Inside Ginnie Mae: The Ginnie Mae Model and New Housing Finance Trends

Ginnie Mae has made the news frequently this year. A lot has changed, but several things remain clear:

►Ginnie Mae’s model has succeeded in the face of the worst housing market in our lifetime.

Is the Decline in Bank Mortgage Originations a Bad Thing?

In the aftermath of the 2008 economic crash and the 2010 Dodd-Frank Act, the level of bank participation in the residential origination market has subsided, creating a surplus of opportunity for nonbank lenders.

GLBA and Affiliates

Question: We would like to know how to handle nonpublic personal information where our affiliates are involved. Do we both have the same restrictions on disclosure?

A Seismic Shift in the Mortgage Marketplace?

Over the past three years, there has been a largely unnoticed shift in the firms that are originating mortgage loans.

NAPMW Report: A Capital Investment

Spring is in the air and it is a time when most of us “spring clean” our homes.

What Exceptional Leaders See

Most businesses are loaded with stress and demands for results under inevitable time pressure.

Determination of APOR Upon Relock of Loan

Question: We are having an internal debate as to how the HPML APOR is determined when a rate lock has expired and the rate is relocked.

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