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  • Tue, Jul 22 2014
  • 11:50 PM » U.S. 30-Year Yield Near 13-Month Low on Fed, Inflation Outlook - Bloomberg
    Published Tue, Jul 22 2014 11:50 PM by Bloomberg
    U.S. 30-Year Yield Near 13-Month Low on Fed, Inflation Outlook Bloomberg Treasury 30-year yields were at almost 13-month lows as investors bet the Federal Reserve would keep interest rates low for an extended period amid slowing inflation. The extra yield on 30-bonds over five-year notes narrowed to the least since February ... and more »
  • 11:50 PM » New Lenders Enter Property Market and Think Small
    Published Tue, Jul 22 2014 11:50 PM by WSJ
    As the economy improves, lenders see loans for smaller properties as less risky. And with less competition, interest rates and potential profit can be higher.
  • 11:49 PM » Community banks urge CFPB to expand small creditor exemption
    Published Tue, Jul 22 2014 11:49 PM by www.cfpbmonitor.com
    Jared Kelly Recently, the Independent Community Bankers of America (ICBA) and a 45-member coalition of state and regional banking associations submitted a letter to the Consumer Financial Protection Bureau (Bureau) urging the agency to expand the small creditor exemptions under certain Title XIV mortgage rules that went into effect in January 2014. The ICBA argues that changes... More >
    Click Here to Read the Full Article

    Source: www.cfpbmonitor.com
  • 3:55 PM » Hackers bypass online security at 34 banks
    Published Tue, Jul 22 2014 3:55 PM by Market Watch
    Cybercriminals are sneaking past security protections to access online accounts across 34 banks, defeating what's often touted as one of the more effective online security protocols.
  • 2:07 PM » Wonkblog: Why you may be paying for someone else's mortgage relief
    Published Tue, Jul 22 2014 2:07 PM by Washington Post
    In recent years, banks have agreed to spend billions of dollars to help struggling homeowners as part of settlements with the government related to the lenders' alleged misconduct during the housing crisis. Read full article >>
    Click Here to Read the Full Article

    Source: Washington Post
  • 2:07 PM » Un-advertised listings distort housing
    Published Tue, Jul 22 2014 2:07 PM by CNBC
    So-called pocket listings are on the rise and may be masking how much housing inventory is actually for sale.
  • 12:49 PM » Global House Price Index
    Published Tue, Jul 22 2014 12:49 PM by The Big Picture
    Source: International Monetary Fund
    Click Here to Read the Full Article

    Source: The Big Picture
  • 12:36 PM » How to get millennials to buy a house
    Published Tue, Jul 22 2014 12:36 PM by CNBC
    The head of the Mortgage Bankers Association spends his days cheering for homeownership, but his twenty-something daughter isn't convinced.
  • 11:40 AM » The Foreclosure Fade, and What it Means for the Housing Market
    Published Tue, Jul 22 2014 11:40 AM by WSJ
    The U.S. housing market appears to be finding its footing after a sharp rise in mortgage rates last summer, on top of some big price gains, deflated sales.
  • 10:15 AM » Existing home sales jump for third straight month
    Published Tue, Jul 22 2014 10:15 AM by CNBC
    U.S. home resales rose in June to their fastest pace in eight months, a signal that the housing market was pulling out of a slump.
  • 9:31 AM » When It Comes to Housing, Maybe Millennials Aren't so Different After All
    Published Tue, Jul 22 2014 9:31 AM by WSJ
    Millennials get flack for postponing marriage, living with parents and shying away from homeownership. But maybe they're just responding rationally to their local housing markets.
  • 9:30 AM » U.S. Economic Confidence Recovers From Recent Losses
    Published Tue, Jul 22 2014 9:30 AM by www.gallup.com
    Gallup's U.S. Economic Confidence Index has made up the losses from the prior week, and now stands at -15. Americans' views of current and future economic conditions have ticked upward after several weeks with no improvement.
    Click Here to Read the Full Article

    Source: www.gallup.com
  • 9:26 AM » And America's most-hated social media company is…
    Published Tue, Jul 22 2014 9:26 AM by Market Watch
    Social-media networks like Facebook and LinkedIn rank low-barely ahead of airlines-in a national customer satisfaction survey.
  • 9:26 AM » JPMorgan begins to provide consumer help under $13 billion settlement
    Published Tue, Jul 22 2014 9:26 AM by Reuters
    WASHINGTON (Reuters) - JPMorgan Chase & Co has begun to provide the debt forgiveness and other help to struggling homeowners under last year's $13 billion accord with federal and state authorities, though it has only turned over a handful of details, a monitor of the deal said in a report released on Tuesday.
  • 8:53 AM » High gasoline prices push up U.S. consumer prices
    Published Tue, Jul 22 2014 8:53 AM by Reuters
    WASHINGTON (Reuters) - U.S. consumer prices rose in June as the cost of gasoline surged, but the overall trend continued to point to a gradual build up of inflationary pressures.
  • 8:24 AM » Housing Buoyed by 20-Year High for Vet's Loans: Mortgages - Bloomberg
    Published Tue, Jul 22 2014 8:24 AM by Bloomberg
    Housing Buoyed by 20-Year High for Vet's Loans: Mortgages Bloomberg During his third deployment in Afghanistan, Air Force Staff Sgt. Claude Hunter was so eager to return to the U.S. and buy a house that he signed a contract for a property that his agent showed him over Skype. Hunter got back in time to close the deal, paying ...
  • 8:24 AM » Bund Rally Halts Near Record-Low Yield as BES Fallout Contained - Bloomberg
    Published Tue, Jul 22 2014 8:24 AM by Bloomberg
    Bund Rally Halts Near Record-Low Yield as BES Fallout Contained Bloomberg Germany's bond rally waned, with 10-year yields faltering near a record low, as investors bet the European Central Bank's backstop was credible enough to repel contagion risks spreading from Portugal's banking turmoil. Two-year rates were about one basis ...
  • 8:24 AM » US bonds pare some losses on downed plane progress
    Published Tue, Jul 22 2014 8:24 AM by CNBC
    U.S. sovereign bonds pared some gains on Tuesday, as positive developments over the downed Malaysia Airlines plane helped stabilize sentiment.
  • 8:24 AM » Blackstone to Buy Max Property's Assets for $707 Million - Bloomberg
    Published Tue, Jul 22 2014 8:24 AM by Bloomberg
    Blackstone to Buy Max Property's Assets for $707 Million Bloomberg Blackstone Group LP (BX), the world's biggest manager of alternatives to stocks and bonds, agreed to buy Max Property Group Plc (MAX)'s real estate business for about 414 million pounds ($707 million) in cash. The acquisition by Marina Topco Ltd., ...
  • Mon, Jul 21 2014
  • 9:37 PM » Turning Profits Into Productivity: Businesses Need to Spend More. The Future of the Economy Depends on It.
    Published Mon, Jul 21 2014 9:37 PM by rss.nytimes.com
    Capital spending improves worker productivity, and worker productivity leads to better living standards.
    Click Here to Read the Full Article

    Source: rss.nytimes.com
  • 9:24 PM » Are the DFS' latest debt collection rules a harbinger of things to come?
    Published Mon, Jul 21 2014 9:24 PM by www.cfpbmonitor.com
    Justin Angelo In May, we wrote that the New York Department of Financial Services ("DFS") would soon be issuing revised debt collection regulations for debt buyers and third party debt collectors. On July 16, the DFS released the revised proposed regulations. Among other things, the revised proposed rules would require a debt collector to substantiate not only... More >
    Click Here to Read the Full Article

    Source: www.cfpbmonitor.com
  • 9:18 PM » Evaluating the future outlook of the housing market
    Published Mon, Jul 21 2014 9:18 PM by www.aei.org
    Evaluating the future outlook of the housing market<br/>http://www.aei.org/article/evaluating-the-future-outlook-of-the-housing-market-pinto-on-fox-business-money-with-melissa-francis/
  • 9:16 PM » FDIC Issues Guidance to S-Corporation Banks Regarding Basel III Capital Conservation Buffer
    Published Mon, Jul 21 2014 9:16 PM by content.govdelivery.com
    Press Release FDIC Issues Guidance to S-Corporation Banks Regarding Basel III Capital Conservation Buffer FOR IMMEDIATE RELEASE July 21, 2014 Media Contact: Andrew Gray (202) 898-7192 angray@fdic.gov The Federal Deposit Insurance Corporation (FDIC) is clarifying how it will evaluate requests by S-Corporation Banks to make dividend payments that would otherwise be prohibited under the Basel III capital conversation buffer. On April 8, 2014, the FDIC finalized new Basel III capital rules. These rules include a capital conservation buffer which prohibit or limit the amount of dividends a bank can pay when its risk-based capital ratios fall below certain thresholds. The capital conservation buffer will be phased in during the years 2016-2018 and will be fully effective in 2019. Federal income taxes of S-corporation banks are paid by its investors. If an S-corporation bank has income but is limited or prohibited from paying dividends as a result of the new rules, its shareholders may have to pay taxes on their pass-through share of the S-corporation's income from their own resources. Because of the nature of the capital conservation buffer phase-in, the FDIC does not expect this S-corporation tax issue to present itself in specific cases for several years. Nevertheless, to address the concerns of S-corporation banks, the FDIC is clarifying certain aspects of the capital conservation buffer as it applies to S-corporation banks. The Basel III-rule contains a provision allowing any bank to request approval from their primary federal regulator to make a dividend payment that would not otherwise be permitted by the capital conservation buffer. The regulator may approve such request if warranted based on safety-and-soundness considerations. Absent significant safety-and-soundness concerns about the requesting bank, the FDIC generally would expect to approve exception requests by well-rated S-corporation banks that are limited to the payment of dividends to cover shareholders'...
    Click Here to Read the Full Article

    Source: content.govdelivery.com
  • 8:39 PM » Dodd-Frank not final chapter on reform: Dodd
    Published Mon, Jul 21 2014 8:39 PM by CNBC
    Four years after the Dodd-Frank was signed into law, its co-authors said it was doing its job, but isn't the last chapter on reform.
  • 4:58 PM » GOP Marks Dodd-Frank's 4th Birthday With Calls For Repeal
    Published Mon, Jul 21 2014 4:58 PM by www.npr.org
    It's been four years since Dodd-Frank Act was signed into law. On the anniversary of this sweeping overhaul of financial regulations, Republicans have released a report that argues the law falls short on one of its main tasks.
  • 4:54 PM » Treasury 10-Year Yields May Slide on Ukraine, FTN's Vogel Says - Bloomberg
    Published Mon, Jul 21 2014 4:54 PM by Bloomberg
    Treasury 10-Year Yields May Slide on Ukraine, FTN's Vogel Says Bloomberg Benchmark Treasury 10-year note yields may fall to the lowest level in more than a year in a sharp escalation of turmoil over the downing of a passenger jet by rebels in eastern Ukraine, FTN Financial's Jim Vogel said. "We could get down into the low 2.30s ...
  • 4:07 PM » What's next in housing and transportation cost research?
    Published Mon, Jul 21 2014 4:07 PM by National Housing Conference
    by Chris Marshall, National Housing Conference NHC's Center for Housing Policy will begin researching the combined housing and transportation (H+T) costs of low-income households (those at or below 50 percent of area median income (AMI)). To do so, Center staff is capitalizing on data from HUD's Location Affordability Index (LAI). The LAI predicts housing and transportation costs for different geographic levels in 942 Core Based Statistical Areas (covering 94 percent of the U.S. population). The cost estimates are for 12 different household types, ranging in estimated income from a two-worker family to a single, very low-income person.  This is not the first time the Center has researched H+T costs. In 2006, we partnered with the Center for Neighborhood Technology (CNT) and the Institute of Transportation Studies at UC-Berkeley to produce A Heavy Load: The Combined Housing and Transportation Burdens of Working Families . The report documented how moderate-income households were making trade-offs between housing and transportation costs. The Center and CNT partnered again in 2012 to produce Losing Ground: The Struggle of Moderate-Income Households to Afford the Rising Costs of Housing and Transportation . This report examined the H+T burdens of moderate-income households in the 25 largest metro areas in the U.S. Center staff is excited to use data from the relatively new LAI, as it builds on previous housing and transportation cost tools (see CNT's H+T Affordability Index ). Using the data, however, requires that one acknowledge some limitations. Chief among these is that housing data is from the 2006-2010 American Community Survey. A third-party review says that "house prices within and between cities can change drastically over a few years, and using data that is, on average, four years old creates a significant risk that estimates are not accurate." Related limitations include the use of older mortgage data (thereby not reflecting the...
    Click Here to Read the Full Article

    Source: National Housing Conference
  • 2:38 PM » Slow wage growth for new college grads
    Published Mon, Jul 21 2014 2:38 PM by CNBC
    New research from the San Francisco Fed shows slow wage growth for new grads, a trend that reflects continued weakness in the economy.
  • 12:15 PM » House to hold hearing on impact of Dodd-Frank Act
    Published Mon, Jul 21 2014 12:15 PM by www.cfpbmonitor.com
    Barbara S. Mishkin On Wednesday, July 23, 2014, the House Financial Services Committee will hold a hearing entitled "Assessing the Impact of the Dodd-Frank Act Four Years Later." (Today is the fourth anniversary of the date on which the Act was signed into law.) Most notably, the witness list includes former Congressman Barney Frank, who formerly chaired the... More >
    Click Here to Read the Full Article

    Source: www.cfpbmonitor.com
  • 12:06 PM » Is residual income the key to the superior performance of VA loans?
    Published Mon, Jul 21 2014 12:06 PM by Google News
    Default rates on loans guaranteed by Veterans Affairs (VA) are consistently lower than on loans insured by the Federal Housing Administration (FHA). For loans originated in 2007, the worst origination year, 36 percent of FHA loans have experienced at least one delinquency of 90 days or more, compared with only 16 percent of VA loans, [...]
  • 10:37 AM » More Firms Are Handing Out Pay Raises, NABE Survey Finds
    Published Mon, Jul 21 2014 10:37 AM by WSJ
    The share of U.S. firms that report giving pay raises has nearly tripled since last fall, though official data haven't shown any broad acceleration in wage growth.
  • 9:55 AM » The Inflation Truther Crank Index
    Published Mon, Jul 21 2014 9:55 AM by www.bloombergview.com
    There is a group of folks who believe that inflation is much higher than the numbers in the official reports. Paul Krugman calls them "inflation truthers." In the 2000s, I might have been considered part of that crowd. I recognized that inflation data wasn't being reported accurately, and said as much. I coined the phrase "inflation ex-inflation" to show the absurdity of reporting inflation data without food and energy prices, which were rising fast then. Owner's equivalent rent, hedonic adjustments, substitution all were rightly criticized as flaws in the consumer price index model.
    Click Here to Read the Full Article

    Source: www.bloombergview.com
  • 9:53 AM » Bond Report: Treasury yield curve again flattest in five years
    Published Mon, Jul 21 2014 9:53 AM by Market Watch
    The Treasury yield curve is again at its flattest in over five years, reflecting the multiple forces shaping the Treasury market.
  • 9:20 AM » Economic growth slows a bit in June, national activity index shows
    Published Mon, Jul 21 2014 9:20 AM by Market Watch
    WASHINGTON (MarketWatch) - Economic activity decelerated in June, according to the Chicago Fed national activity index released Monday. The index edged down to 0.12 in June from 0.16 in May. This is still the fourth month above zero. A reading of zero is equal to trend growth. The index is a weighted average of 85 indicators of national economic activity. The three-month average slowed to 0.18 in June from 0.33 in May.
  • 9:17 AM » Should Real Estate Drones Be Banned?
    Published Mon, Jul 21 2014 9:17 AM by www.ourbroker.com
    Drones are coming to real estate. Indeed, they’re here now, you can easily find examples of their use online, and that raises some questions: Are they safe? What about privacy? Do you want someone’s drone flying over your nicely-fenced backyard? Drones are hot — 43 states introduced some type of drone legislation in 2013 according […] The post Should Real Estate Drones Be Banned? appeared first on OurBroker .
    Click Here to Read the Full Article

    Source: www.ourbroker.com
  • 8:34 AM » 4 Low-Cost Remodels That Increase Home Value
    Published Mon, Jul 21 2014 8:34 AM by blog.redfin.com
    Increase home value with one of these projects that won't break the bank. Read More The post 4 Low-Cost Remodels That Increase Home Value appeared first on Redfin Real Estate Blog .
    Click Here to Read the Full Article

    Source: blog.redfin.com
  • 8:31 AM » El-Erian: 'Notable complacency' over geopolitical risks
    Published Mon, Jul 21 2014 8:31 AM by Market Watch
    NEW YORK (MarketWatch) -- The market is complacent about the geopolitical risks flaring up across the globe, according to Mohamed El-Erian. The former chief executive at money manager Pimco said in a CNBC interview on Monday that while recent events in Ukraine and Gaza are tragic, the market does not believe they will have spillover effects across the world. "The market says even if there are spillover effects, it doesn't matter. Earnings are strong and the Fed is there," he said. "I think there is notable complacency in the market as to how much worse it can get. It has been rewarded in the past, so investors are conditioned." Nonetheless, El-Erian said the risks are heightening due to radicalization in global conflicts.
  • 8:28 AM » 4 ways buyers can fight mortgage information overload
    Published Mon, Jul 21 2014 8:28 AM by Market Watch
    Prospective home buyers are confident that they'll be able to find an affordable mortgage, but they're thoroughly overwhelmed by the amount of information they have to wade through. Here are 4 ways to get the problem under control.
  • 8:28 AM » Dimon's Threat to Quit FHA Seen as Pressure Move on Rules - Bloomberg
    Published Mon, Jul 21 2014 8:28 AM by Bloomberg
    Dimon's Threat to Quit FHA Seen as Pressure Move on Rules Bloomberg Jamie Dimon, who has criticized regulators in the past, is drawing new battle lines with Washington over mortgages insured by the Federal Housing Administration. The JPMorgan Chase & Co. (JPM) chief executive officer, whose bank recently paid more than ...
  • 8:28 AM » Why the World Still Loves U.S. Treasury Debt
    Published Mon, Jul 21 2014 8:28 AM by WSJ
    HILSENRATH'S TAKE Last year's taper tantrum is starting to look like a little footnote in bond market history. Yields on 10-year Treasury notes dropped below 2.5% last week. This is remarkable given the fact that U.S. job growth is heating up, inflation readings firming and the Federal Reserve has said affirmatively that it plans to stop buying U.S. and mortgage bonds by October
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