Philip Stein

The rapid expansion of bank–fintech partnerships—particularly through banking-as-a-service (BaaS) models—has fundamentally reshaped the delivery of financial products. But as these relationships proliferate, so too does...more Mortgage loan purchase agreements govern the sale of residential loans from originators to purchasers in the secondary market. The parties seeking to purchase loans typically are the drafters of these agreements, and thus the...more Artificial intelligence (AI) is increasingly transforming the homebuilding industry, bringing new efficiencies to design, project management, supply chain coordination, and customer engagement. With its tantalizing promise of...more Last month, the Consumer Financial Protection Bureau (CFPB) issued an advisory opinion on the attempted enforcement of time-barred alleged debt collection rights as to second mortgage loans. It is a violation of the Fair Debt...more