Linkage: Fate of Homeownership, Big Banks Crush, New Banks Ramp

HOUSING STUFF

• Is American Dream of Homeownership Best Left To Landlords? (housingwire.com)
• Owning a home isn't for everyone(awealthofcommonsense.com)
• Homeownership is still part of the American dream(stratmorgroup.com)
• Shadow banks originate around half of America's mortgage (economist.com)
• Why new home building is so important to economy (see last section) (thebasispoint.com)
• New home building hits highest level in 13 years(bloomberg.com)
• New housing construction strong in 2020(housingnewsletters.com)
• How lenders should prepare as refinances slow down in 2020(mortgagemedia.com)
• This key home zoning problem is contributes to less building(bloomberg.com)
• Finding a balance between mortgage availability and default risk(mortgagenewsdaily.com)
• Where the shelters are full and skyscrapers empty(theatlantic.com)
• What 700 years of interest rates tell us about economy(qz.com)
• Home prices still growing at 5%+ annually(mortgagenewsdaily.com)
• Non-QM - the (supposedly) riskier mortgage that was 2019's buzzword (housingwire.com)
• Risk and reward in the non-QM market(themreport.com)

FINTECH & BANKING STUFF

• Nobody gets rich by shunning lattes and new cars(bloomberg.com)
• Banks, brokers, tech competes for $72 trillion in consumer cash to manage(economist.com)
• Big Banks Doing Great Right Now (nytimes.com)
• Will Big Banks Beat Startup Banks In 2020?(thebasispoint.com)
• Visa's Plaid deal shows you can teach an old dog new tricks(americanbanker.com)
• Here's what future of branch and retail banking looks like(pwc.com)
• Auto loan late payments hit 8 year high(americanbanker.com)
• Alternative data isn't the enemy of underwriting(americanbanker.com)
• Why maturing startup bank SoFi dumped Visa for Mastercard (bizjournals.com)
• Why Are Banks Raising Credit Card Limits Without Asking?(bloomberg.com)
• Monetary policy not enough to fight next recession(economist.com)

MARKETING STUFF

• Banks to adopt standard API, which enables new entrants and better partnerships(paymenteye.com)
• Europe's new API rules lay groundwork for open banking(americanbanker.com)
• FICO changes could lower borrower's credit scores (wsj.com)
• The broad business and consumer impact of California's new privacy law(theverge.com)
• The Bomb Cyclone of California's New Privacy Regulation(consumerfsblog.com)
• The secret to success in direct to consumer marketing(theinformation.com)
• Bank marketing software Total Expert makes bankers 10% more productive (finance.yahoo.com)
• Blend's new loan officer app helps them serve customers better(nationalmortgagenews.com)

CAREER & PURSUITS STUFF

• The Future Of Book Publishing (awealthofcommonsense.com)
• How To Write A Book In Your Spare Time(awealthofcommonsense.com)
• Middle age misery peaks at 47(bloomberg.com)
• So much for my future barista ambitions. Robots taking those jobs too(qz.com)
• Former night owl's guide to becoming a morning person(nytimes.com)