The Intended and Unintended Effects of Dodd-Frank on Mortgage Broker Compensation

Christine McClatchey and Cris de la Torre

Journal of Real Estate Practice and Education, 2013, vol. 16, issue 2, 141-160

Abstract: President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act in July 2010. Numerous provisions were included to reform the mortgage lending industry with an emphasis on the mortgage broker compensation model. We examine the intended and unintended consequences Dodd-Frank and other reforms had on mortgage broker compensation, consumers, and the mortgage industry. While some reforms will not be implemented until January 2014, we hypothesize the impact these rules will have for the industry and borrower alike.

Date: 2013
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DOI: 10.1080/10835547.2013.12091724

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