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	<title>JBerman Group &#187; Mortgage Regulation</title>
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	<link>http://jbermangroup.com</link>
	<description>Serving Colorado homeowners since 1993.</description>
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		<item>
		<title>IMMAAG Alert: Fed &amp; NAIHP/NAMB Appeal Briefs Filed with Circuit Court</title>
		<link>http://jbermangroup.com/2011/04/immaag-alert-fed-naihpnamb-appeal-briefs-filed-with-circuit-court/</link>
		<comments>http://jbermangroup.com/2011/04/immaag-alert-fed-naihpnamb-appeal-briefs-filed-with-circuit-court/#comments</comments>
		<pubDate>Tue, 05 Apr 2011 20:59:28 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>
		<category><![CDATA[Bill Kidwell]]></category>
		<category><![CDATA[CAMB]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[IMMAAG]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1456</guid>
		<description><![CDATA[I&#8217;ve been a fan of Bill Kidwell &#38; his efforts at IMMAAG for a long time. Bill &#38; I served on the Colorado Association of Mortgage Brokers (CAMB) board back in the mid 2000&#8242;s. In fact, the first mortgage registration bill for Colorado was passed when we were serving as CAMB&#8217;s President &#38; President-Elect respectively. Bill [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2011/04/immaag-alert-fed-naihpnamb-appeal-briefs-filed-with-circuit-court/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Email Sent to Colorado Senators Udall &amp; Bennet</title>
		<link>http://jbermangroup.com/2011/03/email-sent-to-colorado-senators-udall-bennet/</link>
		<comments>http://jbermangroup.com/2011/03/email-sent-to-colorado-senators-udall-bennet/#comments</comments>
		<pubDate>Wed, 23 Mar 2011 21:36:07 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>
		<category><![CDATA[Federal Reserve]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1427</guid>
		<description><![CDATA[A copy of an email I sent to Colorado Senators Udall &#38; Bennet today. Feel free to copy &#38; share with others. Please help&#8230;the Federal Reserve is driving my industry out of business. Dear Senator Bennet, Small business mortgage broker companies have been under attack and need your support. The majority of banking regulation &#38; [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2011/03/email-sent-to-colorado-senators-udall-bennet/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Informal Evidence on Why Small Independent Mortgage Professionals Don&#8217;t Support NAMB</title>
		<link>http://jbermangroup.com/2011/03/informal-evidence-on-why-small-independent-mortgage-professionals-dont-support-namb/</link>
		<comments>http://jbermangroup.com/2011/03/informal-evidence-on-why-small-independent-mortgage-professionals-dont-support-namb/#comments</comments>
		<pubDate>Wed, 16 Mar 2011 22:02:44 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>
		<category><![CDATA[Fed Reserve]]></category>
		<category><![CDATA[NAIHP]]></category>
		<category><![CDATA[NAMB]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1396</guid>
		<description><![CDATA[I&#8217;ve been watching a comment thread develop over at Think Big Work Small. The daily video blog by Frank Garay &#38; Brian Stevens is a popular destination for originators in the mortgage industry. This particular piece was about NAMB &#38; NAIHP each filing their own respective lawsuits to stop the Fed from implementing the new [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2011/03/informal-evidence-on-why-small-independent-mortgage-professionals-dont-support-namb/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Colorado Board of Mortgage Originators to Inactivate LO&#8217;s not NMLS approved by January 31, 2011</title>
		<link>http://jbermangroup.com/2011/01/colorado-board-of-mortgage-originators-to-inactivate-los-not-nmls-approved-by-january-31-2011/</link>
		<comments>http://jbermangroup.com/2011/01/colorado-board-of-mortgage-originators-to-inactivate-los-not-nmls-approved-by-january-31-2011/#comments</comments>
		<pubDate>Thu, 20 Jan 2011 23:26:01 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>
		<category><![CDATA[colorado mortgage originator board]]></category>
		<category><![CDATA[NMLS]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1303</guid>
		<description><![CDATA[Within a few weeks we should get updated figures on the number of licensed mortgage originators in Colorado.  This notice from the Colorado Division of Real Estate showed up in my inbox a few days ago and indicates that by January 31st, we will have an updated data set on how many mortgage originators are left [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2011/01/colorado-board-of-mortgage-originators-to-inactivate-los-not-nmls-approved-by-january-31-2011/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is the Mortgage Industry Ready for the NMLS Call Report?</title>
		<link>http://jbermangroup.com/2011/01/is-the-mortgage-industry-ready-for-the-nmls-call-report/</link>
		<comments>http://jbermangroup.com/2011/01/is-the-mortgage-industry-ready-for-the-nmls-call-report/#comments</comments>
		<pubDate>Wed, 05 Jan 2011 21:54:06 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>
		<category><![CDATA[Call Report]]></category>
		<category><![CDATA[NMLS]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1209</guid>
		<description><![CDATA[Welcome to the new world of lending. As the industry is trying to catch it&#8217;s breath from the December 31st, 2010 deadline for registration &#38; testing, the next bureaucratic landmine is already waiting to further confuse &#38; occupy the licensed originator community. The NMLS has created the NMLS Call Report, which requires companies to produce [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2011/01/is-the-mortgage-industry-ready-for-the-nmls-call-report/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Foreclosures don&#8217;t always follow script &#124; via Seattle Times</title>
		<link>http://jbermangroup.com/2010/12/foreclosures-dont-always-follow-script-via-seattle-times/</link>
		<comments>http://jbermangroup.com/2010/12/foreclosures-dont-always-follow-script-via-seattle-times/#comments</comments>
		<pubDate>Mon, 20 Dec 2010 18:33:42 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[policy]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=1194</guid>
		<description><![CDATA[Anyone who has purchased or refinanced a home has experienced the onslaught of paperwork at the closing table. Presumably, there is ample opportunity for lenders and researchers to correlate housing data with home owners. However as the Fed researcher in the article states, it&#8217;s quite difficult to get accurate and relevant research on foreclosures and [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2010/12/foreclosures-dont-always-follow-script-via-seattle-times/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reality Check &#8211; Are mortgage brokers the root cause of the housing crisis?</title>
		<link>http://jbermangroup.com/2010/07/reality-check-are-mortgage-brokers-the-root-cause-of-the-housing-crisis/</link>
		<comments>http://jbermangroup.com/2010/07/reality-check-are-mortgage-brokers-the-root-cause-of-the-housing-crisis/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 23:33:45 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>
		<category><![CDATA[opinion]]></category>
		<category><![CDATA[reform]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=13</guid>
		<description><![CDATA[Much of the blame for the Subprime Housing Crisis has been disproportionately directed at Mortgage Brokers. As a mortgage broker/originator since 1993 and a member of a group that many blame for the housing crisis, my views are biased and probably a tad defensive. However, blaming mortgage brokers for the foreclosure problem is like blaming [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2010/07/reality-check-are-mortgage-brokers-the-root-cause-of-the-housing-crisis/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The HVCC Virus Spreads to FHA</title>
		<link>http://jbermangroup.com/2009/09/the-hvcc-virus-spreads-to-fha/</link>
		<comments>http://jbermangroup.com/2009/09/the-hvcc-virus-spreads-to-fha/#comments</comments>
		<pubDate>Sat, 19 Sep 2009 06:31:42 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>
		<category><![CDATA[fha]]></category>
		<category><![CDATA[HVCC]]></category>
		<category><![CDATA[IMMAAG]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=546</guid>
		<description><![CDATA[Our good friends at IMMAAG reported today that FHA has enacted a similar appraisal management process to the much maligned &#38; ill-conceived HVCC regulation that has added layers of complexity and cost to conventional (FNMA, FHLMC) mortgage financing. Excerpts from IMMAAG&#8217;s most recent alert: It is no secret that IMMAAG has opposed HVCC since the [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2009/09/the-hvcc-virus-spreads-to-fha/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Colorado Division of Real Estate establishes rule clarification to comply with S.A.F.E.</title>
		<link>http://jbermangroup.com/2009/09/colorado-division-of-real-estate-establishes-rules-to-comply-with-s-a-f-e/</link>
		<comments>http://jbermangroup.com/2009/09/colorado-division-of-real-estate-establishes-rules-to-comply-with-s-a-f-e/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 01:36:38 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>
		<category><![CDATA[Colorado Mortgage Regulation]]></category>
		<category><![CDATA[S.A.F.E.]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=514</guid>
		<description><![CDATA[The Colorado Division of Real Estate is getting it&#8217;s regulations in shape for the S.A.F.E. Mortgage Licensing Act (passed in 2008). One of the requirements of the S.A.F.E. Act is an annual renewal process for mortgage originators. Currently, Colorado has a three year renewal process, so the Division proposed a License Cycle Transition Process to [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2009/09/colorado-division-of-real-estate-establishes-rules-to-comply-with-s-a-f-e/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bad for Consumers: The Mortgage Improvement &amp; Regulation ACT of 2009 (MIRA)</title>
		<link>http://jbermangroup.com/2009/04/bad-for-consumers-the-mortgage-improvement-regulation-act-of-2009-mira/</link>
		<comments>http://jbermangroup.com/2009/04/bad-for-consumers-the-mortgage-improvement-regulation-act-of-2009-mira/#comments</comments>
		<pubDate>Mon, 06 Apr 2009 23:38:00 +0000</pubDate>
		<dc:creator>jberman</dc:creator>
				<category><![CDATA[Mortgage Regulation]]></category>

		<guid isPermaLink="false">http://jbermangroup.com/?p=288</guid>
		<description><![CDATA[Just when you thought that nothing more could be done to add to the confusion, noise, and attacks on the independent mortgage lender/brokers along comes the Mortgage Bankers Association offering of draft legislation veiled in the promise of national standards to protect consumers. Unfortunately, it appears that the real purpose is the MBA&#8217;s continuing effort to support additional controls [...]]]></description>
		<wfw:commentRss>http://jbermangroup.com/2009/04/bad-for-consumers-the-mortgage-improvement-regulation-act-of-2009-mira/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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