- How housing is financed has changed significantly in the seven years since the mortgage crisis, from tighter regulation and increased oversight to shifts in housing needs and our country’s cultural dynamics. What role do banks, local not-for-profits, and individuals play in the ever evolving mortgage and housing markets?
- Recent communications by the Federal Reserve Board Federal Open Market Committee (FOMC) have set the stage for increases in interest rates in mid to late 2015. As the domestic economy continues to demonstrate fundamental signs of a sustained recovery, including modest price increases and wage gains, few have challenged the merit of increasing interest rates in the near term.
- On Jan. 29, 2015, Delaware enacted SB 11 that will act to improve fundamental fairness and transparency of the state’s unclaimed property program.
- In an era when banks are forced to hold more capital, the GSEs, which became insolvent during the financial crisis and needed a substantial infusion of capital to remain operational, have cut the minimum down payment for homebuyers.
- The final rules for the Basel III international capital accord, which will be phased in between the beginning of this year and 2019, include some relief for community banks. There are also some changes that affect the capital standards and reporting for community banks.
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