Key Takeaways
- GSE conservatorship has persisted for over 15 years with no resolution; reform proposals range from release to full privatization.
- Disparate impact theory allows fair housing claims based on discriminatory effect without proof of intent.
- Anti-money laundering obligations are increasing through FinCEN beneficial ownership reporting and Geographic Targeting Orders.
- Climate risk is emerging as a structural factor in housing finance and property valuation.
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Test Your Knowledge
1.Under disparate impact theory, a plaintiff must prove:
2.What are the three requirements for a lawful affiliated business arrangement under RESPA?
3.Which entity guarantees mortgage-backed securities backed by FHA, VA, and USDA loans?