The articles here are divided into three groups, and within each group they are listed in order of publication, earliest at the top, most recent at the bottom.

HISTORICAL

 

Reforming RESPA: The HUD Proposals
This article was published 10/02, the HUD proposals are interesting but never enacted.

STRUCTURAL

These articles comment on proposals, my own as well as those of others, to improve the housing finance system. Some originated during, and were stimulated by events during the crisis period.

A Proposal to HUD on Third Party Fee Markups

Protecting Borrowers Against Predatory Servicing

Dealing With Yield Spread Premium Abuse

Mortgage Suitability

Mortgage Affordability: Should Government Require It?

Should Mortgage Escrows Be Mandated by Law?

Fixing the Mortgage System So It Works For Borrowers

Should Mortgage Brokers Be Required to Be Agents?

Should Stated Income Loans Be Barred?

Would HR 3915 Eliminate Yield Spread Premium Abuse?

HUD's Proposals to Reform Loan Originations

Which Mortgage Prices Are Lower?

FINANCIAL CRISIS

These articles were all stimulated by the financial crisis.

Upheaval in the Sub-Prime Mortgage Market

What Is a "Bail-Out"?

Dealing With the Foreclosure Problem

Saving the Banks Without Breaking the Bank

Will Tougher Rules For Brokers Help?

On Preventing the Next Crisis

Desecuritization: Value There For the Taking

The Administration's Plan to Help Troubled Mortgage Borrowers

Should Government Help Undeserving Borrowers?

Paying Out of Savings: How Deep Must the Borrower Dig?

Revamping the Regulatory System - So It Won't Happen Again

How to Jump-Start Mortgage Loan Modifications

The Appraisal Debacle: An Example of How Not to Regulate

Do We Need a Federal Consumer Protection Agency?

The Fed Should Exit Consumer Protection

Will Early Disclosures Prompt Borrowers to Shop?

The Fed's New Approach to Mortgage Loan Originator Compensation