Published Opinions

Model Risk Challenges and Opportunities in 2022, GARP Risk Intelligence, 2022
Examines how evolving economic, regulatory, and climate conditions are reshaping model risk management priorities.

Risks of Nonbank Mortgage Sellers and Servicers Revisited, HousingWire, 2021
Revisits the risk profile of nonbank mortgage firms and the case for stronger liquidity standards.

Ginnie Mae’s New Liquidity Standards Are Sorely Needed, HousingWire, 2020
Argues that enhanced capital standards would help level the playing field between banks and nonbanks.

Pulling Back the Curtain on Bank Climate Stress Tests, The Hill, 2020
Questions the effectiveness of current climate stress-testing frameworks given data and modeling limitations.

Making Fannie Mae and Freddie Mac a Single Utility, HousingWire, 2020
Explores proposals to consolidate the GSEs and the implications for their long-term structure.

The CFPB Missed a Chance to Fix the QM Rule, HousingWire, 2020
Argues that recent rulemaking leaves unresolved issues in the definition of a qualified mortgage.

Rising Hurricanes and Mortgage Risk, GARP Risk Intelligence, 2019
Analyzes how increasing hurricane intensity may affect mortgage defaults and risk exposure across the housing finance system.