Brian S Levy

@pulte Here's an idea for credit scores I posted in 2021 to create more housing opportunity: use scores for determining required guardrails for repayment -not for eligibility. Loan eligibility should be based on ATR. open.substack.com/pub/blevy/p/ed…

We are actively working on new programs and new products at Fannie Mae and Freddie Mac. If you have ideas on what to do differently, please reach out! Innovation is the hallmark of American business, and we intend on bringing that to Fannie & Freddie, all safely and soundly!

Ed. #91: "Interesting Times" open.substack.com/pub/blevy/p/ed… @Pulte @MarkCalabria

@clownworld No words.

@DavidAFrench Grant, FDR, Reagan yes and Warren G. (said @JonahDispatch )

Great question. Grant has to be there. Accomplishments outside the presidency include saving the country. FDR. Shepherded the country through the Great Depression and WWII. Reagan. Pulled us from our malaise. Helped win the Cold War. And???? Ike? Truman? Thoughts?

@whignewtons @DavidAFrench What if we just picked VP's? Tough to find any memorably admirable. Leave a spot for Pence (for Jan 6 heroics alone). So many lousy VPs.

@DavidAFrench What if we did it more as a warning? Johnson, Buchanan, Wilson….

#FHFA's DTI adjustments were "totally unworkable" but that embarrassment could have been avoided with a more open process in policymaking. With a shout out to my new #ohana from the #mba Hawai'i MBA, this #Mortgage Musing explains…lnkd.in/gVmVXmpx lnkd.in/gdKNK-zz

I paid good money for that picture of baby in a puddle, so please read my #fairlending focused #Mortgage Musing to find out why and what #SCOTUS might think about the meaning of "discourage" in light of the recent #Twitter case. lnkd.in/gjqTppgK

"If you could read my mind,".. wait, you can just read my #MortgageMusings. This time I've got a #gordonlightfoot homage and the tombstone that lies ahead for #Chevrondeference. lnkd.in/gzE66VG9

Consumer Financial Protection Bureau has been quite busy the past few weeks. Here's my "hot takes" on several items along with a note about the passing of my friend and former colleague, Kim Newby. lnkd.in/gdmJycZ9

A couple of #banks (all starting with the letter S) just failed and the Federal Deposit Insurance Corporation (FDIC) used systemic risk powers to #bailout the uninsured depositors. So, what's the narrative and impact on #mortgage industry? lnkd.in/gJeX4zKX

#Mortgagemusings on the Consumer Financial Protection Bureau's recently issued #RESPA "Advisory Opinion" about the need for neutrality in #mortgage shopping websites. Spoiler alert: CFPB should have focused on #UDAAP . On #RESPA, C…lnkd.in/ger9BgZ4 lnkd.in/gupRHSfH

Two huge decisions impacting #mortgagelenders were issued on 2/3. One good, one bad. Read this edition of #mortgagemusings to hear about the impact of Townstone's big win against #CFPB overeach on #fairlending and PRMI Home Financi…lnkd.in/gxHPQYZC lnkd.in/gUvRD-xv

This edition of #Mortgage Musings discusses Presidential classified document handling and (i) the Federal Trade Commission's proposed rule to prohibit non-compete clauses, (ii) the Consumer Financial Protection Bureau's proposed "E…lnkd.in/gDUXKwQR lnkd.in/gFK6mjeK

#HUD allows "double dipping" on #FHAloans now? Did they miss a #Seinfeld episode? Check out this edition of my #Mortgage Musings for why that inch given shouldn't equal a mile. lnkd.in/gDk-qnMQ

This edition of #Mortgage Musings has #breakingbad's Saul Goodman , #ElonMusk, an update on the CFPB's wild monkey wrangling efforts, and, mostly, why credibility is no substitute for showing your work. lnkd.in/gwsqjSXj

@marxsterbcow @CFPB @NJTrip Other than his dig at me and my colleagues, I have to admit that I really like his approach to the consumer data issue.

@marxsterbcow @CFPB @NJTrip Mansions, yachts and private jets don't come cheap. Yep, regulatory compliance lawyers (all 12 of us) are the reason mortgage lenders' compliance costs are so high.

Director Chopra’s takes aim at regulatory compliance lawyers but not at the CFPB's regulation by enforcement tactics which often only create more confusion for companies about what allowed and not allowed. consumerfinance.gov/about-us/newsr… via @CFPB

The #5thCircuit just taught a master class about the Appropriations Clause to #CFPB unleashing a barrel of wild monkeys on the #administrativelaw world. My take, including the difference between dicta and Ditka. lnkd.in/gpSUqAjJ

Proud and excited for Danny to start his career at Epic. lnkd.in/gpUjT4ng

The "data-driven organization" that is the Consumer Financial Protection Bureau has a new RFI asking how to make #mortgage refinance and loss mitigation easier. But what really drives policy? lnkd.in/gQPk8zcE