I went to a Vikings game with a friend and decided I wanted a drink. I wanted the big soda pop, but when I saw the price, I decided… A Minnesota will do. Here in Minneapolis, one topic of conversation is the speed at which regulators seem to be acting, thinking things will change in January. Attorney Brian Levy wrote, “The CFPB (and the Justice Department) refuse to acknowledge that lender discrimination does not explain housing disparities and continue to pursue these modern-day redlining claims unabated. But, in my view, the Townstone settlement a few weeks ago is an unequivocal recognition by CFPB that its overzealous fair lending interpretations are unlikely to survive judicial challenge.[13] In fact, it’s possible we may mark this settlement as the beginning of the end of fair lending enforcement for the mortgage industry as we know it.” An industry vet recently reminded me that, “Berger v. United States, the 1935 U.S. Supreme Court case requiring that, while a prosecutor ‘may strike hard blows, he is not at liberty to strike foul ones. It is as much his duty to refrain from improper methods calculated to produce a wrongful conviction as it is to use every legitimate means to bring about a just one.’” (Today’s podcast can be found here, and this week’s is Sponsored by Calque. Partner with Calque to offer better loan solutions. Scale your business with a partner that puts your brand first and empower your clients to buy before they sell. Hear an interview with Cornerstone First Mortgage’s Eric Rotner and Calque’s Chandra Srivastava on creative new products that are helping alleviate the lack of housing supply.)