Gabriel Acosta and Liz Facemire from the Mortgage Bankers Association join RegFi co-hosts Jerry Buckley and Sherry Safchuk to discuss how artificial intelligence — both long-standing automated underwriting tools and emerging generative AI applications — is shaping the mortgage banking industry. The conversation explores the human-in-the-loop nature of mortgage origination, the role of federal laws like the Fair Credit Reporting Act and Equal Credit Opportunity Act in ensuring explainability, and how state-level AI legislation is influencing industry compliance strategies.
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