I find it ironic that both your post and the article you cite, arguing there is no accountability, start by referring to CFPB testimony in front of the congressional oversight “committee session to mark up CFPB reform legislation.”

The depreciation issue, being a non cash flow expense, was not thought out by the folks in DC ( big surprise) when they did this healthcare reform and will be revisited again I am sure.

The Biggert-Waters Flood Insurance Reform Act of 2012 goes into effect Jan, 2014.

I believe every loan document will ask the borrower, if you are an American citizen and if you tick on 'no', you'll have to explain and submit a visa (I originally came here on H1B).If your income alone is good enough , then you shouldn't even have to mention your husband.If his H1B expired and he's without status, then it would be pretty difficult to renew.Hopefully, immigration reform will get voted on next year.

I trust you are familiar with this Dodd-Frank Wall Street Reform and Consumer Protection ActJanuary 2014 1500 pages of new regulations around RE Financing.

This whole type of suit should be thrown out with Tort reform, and God willing, the lawyers won't be able to stop it.

@Nicole Williamson Mortgage Reform.

The federal agency, which was created under the Dodd-Frank Wall Street Reform and Consumer Protection Act, also seeks to have the companies “adhere to all federal consumers financial protection laws.”

My thing is not to reform, but to inform of a point of view, don't really care about things beyond ones control.I'm not up on advertising laws outside finance, but why is it my mail box is full of health plans, credit cards, vacation plans, investment and estate planning seminars????

(Sources: MPAMag.com: http://www.mpamag.com/mortgage/johnsoncrapo-bill-thought-dead-is-back-on-agenda-18194.aspxhttp://www.mpamag.com/mortgage/johnsoncrapo-bill-thought-dead-is-back-on-agenda-18194.aspxHeritage.org: http://www.heritage.org/research/reports/2014/03/johnsoncrapo-housing-finance-reform-misguided)Posted by Corey Curwick Dutton