Any capital markets person will tell you, “What’s a surefire way to double your money in a casino? Fold it in half and put it back in your pocket.” I am in Las Vegas for First Colony’s Loan Officer Retreat, watching the tragic air news from Washington, and the MBA’s IMB in Austin has come to a successful conclusion. Yesterday the talk in the hallways was about “Donald Trump rescinding his OMB freeze. (There are other ways to accomplish his goals.) At the IMB, innovation is alive and well. How about a bank that shows you your carbon footprint on your statement? (Contact Dawn S. with questions about CI&T Bank.) There’s newzip, a “centralized real estate platform.” (Reach out to Casey H. with questions) There’s AMC Encore, sister company of RSDS Appraisal Diversity for appraiser training. (Contact COO Randy F. with questions.) Of course, the future of the CFPB’s focus is at play, as well as its action against Draper & Kramer Mortgage Corp. for discriminatory mortgage lending activities that discouraged homebuyers from applying to Draper for homes in majority-Black and Hispanic neighborhoods in the greater Chicago and Boston areas. (Really? Lenders discourage potential customers?) (Today’s podcast can be found here and this week’s is sponsored by Figure. 50 percent of the top IMB’s use them, and if you haven’t examined your HELOC & HELOAN strategy recently, it’s time to get on it. Hear an interview with Depth’s Kerri Milam on relationship management and brand awareness for individuals and companies in the mortgage industry.)