Published Opinions

Pulling Back the Curtain on Bank Climate Stress Tests

Based on current data and models, implementation of such stress tests is another exercise in ‘feel good’ regulatory policy, Maryland Smith’s Clifford Rossi writes in The Hill. 

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Making Fannie Mae and Freddie Mac a Single Utility

What will happen now to Freddie Mac, Fannie Mae and their 12-year conservatorship? Writing in HousingWire, Maryland Smith's Clifford Rossi shares his view.

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The CFPB Missed a Chance to Fix the QM Rule

The Consumer Financial Protection Bureau appears to have missed an opportunity to correct a nagging issue in its definition of a qualified mortgage, Maryland Smith's Clifford Rossi writes in Housing Wire.

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Rising Hurricanes on Mortgage Risk

Hurricanes are expected to increase in intensity and frequency. Will this lead to a significant upsurge in mortgage defaults, and what are the risk implications for mortgage credit investors, insurers and GSEs? Maryland Smith’s Clifford Rossi writes about it all in GARP Intelligence.

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