So, you drive across town to a gym to walk on a treadmill? There are always interesting and strange things going on out there. Huh? The Florida’s governor wants to eliminate property tax? Yes, the state currently runs a budget surplus, but with no income tax, and no property tax… Huh? KFC is leaving Kentucky for Texas?! Yup. Huh? HUD is cutting 50 percent of its workforce? Join the crowd. Huh? Totally freezing the CFPB in place would mean that all of Cordray’s and Chopra’s work will be frozen in place, right? Even my cat Myrtle would have known that and warned against a total freeze. Of course we have the report/letter that the CFPB sent to all of the states about being more aggressive in enforcing consumer financial protection laws. Most lenders adhered to rules and regulations before the CFPB came along. Most. Huh? Homeowner’s insurance in some areas is more expensive than principal and interest? Yup. “Rob, have you heard that lenders are actually watching the ratings of insurance companies, and may go to borrowers saying ratings have dropped, and requesting the borrower obtain new insurance or else…” Yes, I have. (Today’s podcast can be found here and this week’s is sponsored by nCino. nCino Mortgage Suite’s three core products, nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics, unite the people, systems, and stages of the mortgage process. Hear Part two of an interview with Rocket’s Bill Emerson, with questions provided by the Institutional Risk Analyst’s Chris Whalen, on the lending landscape in the digital age of mortgage.)