Change Content Hub
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Has The Fantasy of Relationship Banking Been Exposed?
Silicon Bank, Signature Bank, and First Republic Bank once represented the gold standard of Relationship Banking. Wall Street was enthralled by the ability of these banks to
Financial Visionaries: Carlos P. Salas
Carlos P. Salas is president of The Change Company, a financial services company focused on serving underbanked borrowers and communities across the U.S. Since August 2021, he has
Financial Visionaries: Steven Alan Sugarman
In 2017, Steven A. Sugarman founded The Change Company, which is a Community Development Financial Institution certified by the United States Department of Treasury and the State
Broad coalition of financial institutions support CDFI exemptions
Under President Trump, the United States Department of the Treasury sought to change fundamental rules relating to CDFI’s through the improper introduction of a proposal under the
Investor demand rising for CDFI RMBS securitizations
In 2022, Change Lending successfully issued the country's first securitization of first lien residential mortgages originated exclusively by a Community Development Financial
The Change Company and Framework Homeownership Partner to Expand Homeownership
Omar Esposito, President and CEO of Framework said: “We are thrilled to partner with The Change Company, America’s largest CDFI, as we work to make smart homeownership the new
Treasury's responsible lending standards are good for mortgage lenders
The Treasury's Responsible Lending Standards (RLS) represent a crucial step toward fostering fair, sustainable lending practices.
Treasury reaffirms important regulatory exemptions for CDFIs
The United States Department of Treasury recently adopted new rules for Community Development Financial Institutions (CDFI).
Private equity and insurance companies piling into residential mortgages
Private equity and insurance companies are diving back into residential mortgages, driven by strong macro factors and federal support! Discover how these investments are reshaping
CFPB Must End Use of HMDA Data to Dox Consumers
Barron’s magazine and its reporter, Jacob Adelman, have admitted to using the Consumer Financial Protection Bureau’s (CFPB) public disclosure of Home Mortgage Disclosure Act (HMDA)
An Assessment of Lending to LMI and Minority Neighborhoods and Borrowers
The CRA requires banking regulators to “assess the institution’s record of meeting the credit needs of the entire community, including low- and moderate-income neighborhoods
Are Biden's Housing Regulators Failing Black Homeowners?
There was great optimism amongst community advocates when the Biden Administration made equality in homeownership a cornerstone of its fiscal policy.
