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The Change Company Issues its First AAA Rated Securitization Backed Exclusively by its Proprietary Community Mortgages

The Change Company CDFI LLC and its subsidiary Change Lending, LLC (“Change”) – America’s CDFI – are pleased to announce that Change has closed its seventh securitization of its
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The Time Has Come to Invest in Residential Mortgages

Fed tightening and an inverted yield curve have cast a spotlight on a persistent problem for investment advisors: the challenging search for attractive yield investments.
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Has The Fantasy of Relationship Banking Been Exposed?

Silicon Bank, Signature Bank, and First Republic Bank once represented the gold standard of Relationship Banking. Wall Street was enthralled by the ability of these banks to
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Financial Visionaries: Carlos P. Salas

Carlos P. Salas is president of The Change Company, a financial services company focused on serving underbanked borrowers and communities across the U.S. Since August 2021, he has
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Financial Visionaries: Steven Alan Sugarman

In 2017, Steven A. Sugarman founded The Change Company, which is a Community Development Financial Institution certified by the United States Department of Treasury and the State
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Broad coalition of financial institutions support CDFI exemptions

Under President Trump, the United States Department of the Treasury sought to change fundamental rules relating to CDFI’s through the improper introduction of a proposal under the
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CFPB Must End Use of HMDA Data to Dox Consumers

Barron’s magazine and its reporter, Jacob Adelman, have admitted to using the Consumer Financial Protection Bureau’s (CFPB) public disclosure of Home Mortgage Disclosure Act (HMDA)
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An Assessment of Lending to LMI and Minority Neighborhoods and Borrowers

The CRA requires banking regulators to “assess the institution’s record of meeting the credit needs of the entire community, including low- and moderate-income neighborhoods
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Are Biden's Housing Regulators Failing Black Homeowners?

There was great optimism amongst community advocates when the Biden Administration made equality in homeownership a cornerstone of its fiscal policy.
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Treasury Makes Shocking Decision to Exclude Disabled Americans from CDFI Program

In a shocking decision, the Department of the Treasury’s Community Development Financial Institutions Fund (the “CDFI Fund”) has denied a Community Development
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It's time for FHLB Banks to pursue their mission

Sandra Thompson and the Federal Housing Finance Authority (FHFA) should be applauded for questioning the Federal Home Loan Bank banks (FHLB Banks) they oversee about their level
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