Regulation and Policy

6+ day, 6+ hour ago   (324+ words) Many years ago, it seemed like people bragged about how late they stayed up at conferences. Now they brag about how early they went sleep. Today I head to San Antonio, in the Great State of Texas, for a private…...

1+ week, 3+ day ago   (373+ words) Pineapple Financial has moved more than $1 billion in residential mortgage records onto Injective, a layer-1 blockchain focused on financial applications, as part of a broader effort to migrate its historical loan portfolio onchain. Pineapple plans to eventually migrate more than…...

2+ week, 5+ day ago   (1157+ words) Colorado's proposed ADMT rules would add documentation, disclosure and human review obligations for technology that materially influences lending decisions. Industry groups including MBA say definitions and operational triggers need refinement before the effective date of Jan. 1, 2027. AI Summary Senate Bill…...

4+ week, 2+ day ago   (483+ words) Mortgage lenders are investing in AI, yet Q1 2026 costs rose to $11,898 while pre-tax production profit was $727, or 16 bps. The gap is structural: AI tools optimize tasks, but redesigning workflows and removing handoffs changes economics. AI Summary Despite substantial investment in artificial…...

4+ week, 7+ hour ago   (310+ words) The FCA’s focus on customer outcomes runs through all of this. Advisers using AI still need to show that products and services meet the needs of the target market, that communications support customer understanding and that support remains appropriate. Accountability…...

3+ week, 6+ day ago   (226+ words) When tested across three leading foundational AI models to determine which bank statement deposits were likely sourced from overseas, researchers uncovered a dramatic discrepancy based on borrower names: English-Sounding Names: Only 13.3% of deposits were flagged as potential foreign funds. Non-English…...