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Since 2008, governmental agencies have been actively involved in molding and shaping all aspects of mortgage lending in an effort to protect the borrower. Change affecting the industry is a daily discussion in efforts to remain ahead of the game. The Home Valuation Code of Conduct, AIR policy, RESPA, the Loan Quality Initiative and the SAFE Act have greatly impacted the way all mortgage lenders do business. 

Tonya Knudesn

Credit Union Times

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