Tagged: Federal Reserve Board (FRB)

Trade group supports lower mortgage risk weights but says broader market forces — not capital rules — drove banks' retreat from the market

The Federal Reserve left rates unchanged but updated projections show more policymakers expecting additional hikes

Deep divisions inside the Fed and a murky rate outlook could keep mortgage pricing volatile and borrower urgency uneven

LegalShield data shows foreclosure inquiries up 20% year over year as borrowers shift from research to action, signaling potential rise in filings

Second-lien strategies and Non-QM products are helping originators unlock equity without forcing borrowers out of low-rate first mortgages

New strategy reflects growing institutional demand for diversified credit and signals continued support for non-agency lending markets

The shift could also reshape competitive dynamics between banks and nonbanks across mortgage origination and servicing

A group of trade associations is urging regulators to ease mortgage-related capital requirements, arguing reforms could restore bank participation in lending, servicing, and securitization, while strengthening housing affordability

Federal Reserve Vice Chair Michelle Bowman signaled forthcoming capital rule changes aimed at easing MSR treatment, and increasing risk sensitivity to strengthen banks’ participation in mortgage origination and servicing

January’s delayed and frequently revised economic data paints a mixed picture: solid GDP growth and easing housing prices alongside stubborn inflation, softening labor trends, volatile rates, and sharply weakening consumer confidence