Author name: Ricky Vasquez

As mortgage underwriting absorbs Buy Now, Pay Later (BNPL) activity, rent payment history and trended credit data, consumers face a new challenge: understanding how everyday financial behavior is being interpreted by increasingly sophisticated scoring systems. Credit modernization is not the problem. In many ways, it is overdue. The lending industry has made a strong case […]

The Federal Housing Finance Agency (FHFA) has proposed replacing its existing Duty to Serve (DTS) regulation with an outcome-based framework that would change how Fannie Mae and Freddie Mac support manufactured housing, affordable housing preservation and rural housing. The proposal, released in a notice of proposed rulemaking on Wednesday, would emphasize chattel loans, broaden how

A fiendishly brilliant advertising copywriter working for Benetton during the “hanging chads” Presidential election controversy in 1992 took a circa-1973 Yogi Berraism and transformed it for a New York City billboard on the heavily trafficked northbound West Side Highway. “It ain’t Oval ‘til it’s Oval!” the message read, as the matter made its way up