Ever wonder how your college stacks up in terms of relative value? A new rating system provides insights into median earnings of graduates against tuition costs and the results suggest you might just be better off getting a 4-year degree at a public university than an Ivy League.

How lender-selected credit scores could increase delinquency risk for GSEs, CRT investors, and mortgage-backed securities. My latest op-ed in HousingWire explores what happens under lender choice when originators are permitted to select between FICO and VantageScore when delivering a loan to the GSEs

Climate models are not always what you see. These highly complicated models are hard to validate and their accuracy at the property level is questionable.

What drove the collapse of SVB? Insufficient board oversight, incomplete modeling and poor liquidity risk management practices were among the key factors that led to the bank’s demise.

The latest salvo in the emerging global tariff tiff has set its sights on the pharma sector.  Aiming to stabilize US drug supplies, tariffs may have the opposite effect while posing a number of key risks to pharma companies large and small.  Mitigating these supply chain, operational, business and financial risks will require measured yet nimble responses and out-of-the box thinking.  Leveraging advanced manufacturing technologies such as continuous manufacturing could help p

Clifford Rossi thinks the mortgage giants are now indistinguishable, except for pricing. The model risks repeating pre-housing crisis mistakes

GSEs are removing minimum credit score requirements, raising concerns about higher default risk and the reliability of new credit models. Investor and regulatory scrutiny is likely.

Regulators and industry have for years discussed how to prudently expand access to mortgage credit. With improved modeling and...

What are the potential benefits of machine learning for financial institutions? What are its challenges and risks, and what questions do...