The new request is in compliance with the Taxpayer First Act that was signed into law on July 1. This law states a taxpayer must provide their permission (“consent”) for the information to be shared. Although this component of the law must be implemented by Dec. 28, it does not state how the consent should be obtained or documented. The Internal Revenue Service (IRS) has not provided guidance on how this should be managed.The industry is auditing the wrong half of the lending stack
For the past two years, the mortgage industry’s fair-lending debate has focused almost entirely on underwriting: adverse action notices, model explainability, Shapley values, and Regulation B (Reg B) compliance after the April 22, 2026 amendment. Those issues dominate the wo...
When communication breaks down, expectations don't align, or respect disappears, LOs may need to move on — without burning bridges
Loan originators talk all the time about winning the trust of real estate agents. How to prospect them, how to add value, how to earn referrals. But there is another conversation we do not have enough of.Sometimes, as a loan originator, you need to fire a real estate agent....
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