About Mortgage Musings
The Mortgage Musings are just Brian Levy's takes on the mortgage business and other stuff: (i) it isn’t intended to be legal advice or a chore to read, (ii) I’m not doing it to get business (but if it helps, I won't complain), and (iii) if you need legal counsel for anything either (a) call me directly, or (b) call one of the many other good mortgage banking attorneys I mention in my blog. I welcome your feedback.
Latest Posts
Ed. #111: Do Discounts Corrupt Absolutely?
Find a new way to criticize LO Comp? Hold my beer! As we open the Mortgage Bankers Associations’ 2026 Annual Conference in my hometown of Chicago,[1] my Chrisman Commentary friends reminded me that readers seem to enjoy Musings in which I complain about the Loan Originator Compensation Rule. Yet, after writing over half a dozen […]
Ed. #110: “I’m your Vehicle, Baby”
The MBA’s Fair Lending Challenge to New Jersey Brian S Levy Sep 07, 2026 Without restating all of my fair lending priors (which you can find in Musing #92 Disparate Impact’s Demise), in a footnote to a recent Musing about the Fair Housing Act’s “robust causality” standard I stated, “It would be enormously helpful to fair lending jurisprudence […]
Ed. #109: RESPA §8 Regulates Conflicts of Interest
And What That Means for RESPA Reform Two days after I co-hosted a lively collegial Mortgage Law Today[1] All-Star RESPA nerd panel putting RESPA’s Section 8[2] on the hot seat by asking whether we need RESPA at all, Brian Johnson[3] was put on the hot seat for his Senate Banking confirmation hearing to serve as CFPB Director. Although RESPA never […]
Ed. #108: In Praise of CFPB Humility
But Regulators Are Not Orcas These Musings have spent the better part of the past 6 ½ years expressing my frustration at the lack of regulatory humility demonstrated by the nation’s consumer financial regulator (CFPB). But something unprecedented in the CFPB’s relatively short history happened without much fanfare[1] in late May that deserves recognition and praise from this […]