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Hello, Jonathan Foxx
Jonathan Foxx's Latest Stories
Question: We are redrafting on consumer complaint policy and we’re getting stuck on how to handle the early stages of complaint resolution.
E-Sign Act Disclosures
Question: We originate loans almost exclusively through E-Sign procedures. Recently, we were cited for not providing proper disclosure to consumers regarding our E-Sign policies.
Mortgage Servicing Rights: Valuation
Question: We are considering whether to sell our mortgage servicing rights. This has been a long, drawn out process of complicated decision-making.
Question: As a result of an internal audit, we just found out about two reverse occupancies. It turns out that our investors were already aware of this happening and were about to send us repurchase requests.
Jonathan Foxx's Latest Blog Posts
First Thing We Do ... Let’s Kill All the Regulators!
“First thing we do, let’s kill all the regulators!” Actually, Shakespeare's exact line is, ''The first thing we do, let's kill all the lawyers.''
Wells Fargo, A Predator’s Tale
It seems it all comes down to money, sooner or later. Anthropologists have long known that we are a predatory species.
Flipping the Bird at the CFPB!
Do you really want to tell the Consumer Financial Protection Bureau (CFPB) that it doesn’t regulate you?
Reinstating Credit Privileges
Question: We are a bank that received a warning from our regulator regarding the fact that we had suspended credit privileges for a borrower but did not restore the credit privi