There’s nothing like a new capital proposal to fan the flames of speculation. Might possible changes in bank regulations alter the market for CRA loans?
The great mortgage origination correction of 2023 hasn’t resulted in a whole lot of company franchises changing hands. But there’s been a ton of MSR sales and some branch networks finding new owners.
Some industry stakeholders are portraying the proposed capital requirements on mortgage assets as an existential threat, one that might indirectly hurt independent nonbanks. But perhaps those fears are overblown.