Category Archives: Structured Thinking

Michael Bright's Op-Ed for American Banker argues that federal overreach in loan servicing enforcement could harm consumers by driving up compliance costs and limiting access to credit. He warns that excessive regulation may push smaller...

In a recent video interview with The Washington Times, SFA CEO Michael Bright discussed the current state of the economy, the upcoming presidential election, and the influence of regulators in shaping economic policy. View The...

In his article, SFA CEO Michael Bright argues that Freddie Mac's plan to buy second mortgages poses significant risks to taxpayers and the housing market. He asserts that private sources are already effectively managing second...

On June 25, 2024, Structured Finance Association CEO Michael Bright weighs in as the U.S. approves Freddie Mac's second mortgage pilot program on 'The Bottom Line.' Watch the latest video at foxbusiness.com

On Monday, May 6, SFA's CEO Michael Bright appeared on FOX Business' The Bottom Line to discuss Fannie Mae and Freddie Mac guaranteeing second mortgages. During the segment, Bright provided insights into the implications of...

Explore Michael Bright's analysis on how securitization revolutionizes the financial landscape, expanding access to affordable credit for everyone.

By Michael Bright If you listen to economists, the financial condition of Americans is strong. The Federal Reserve board has paused in raising interest rates, they note, and price inflation has slowed. The dreaded recession...

By Michael Bright A blowout jobs report would usually be a good sign for a nation’s economy. But the U.S. jobs report that came out earlier this month increased fears that interest rates will remain...

By Michael Bright Mortgage rates are north of 7 percent for a 30-year fixed loan, the highest mortgage rates since 2004. That is a psychological fact in addition to being a financial data point. For 20...