Open enrollment, early holiday shopping, and year-end tasks bring plenty of messages competing for our attention. Scammers can use those familiar activities as cover, impersonating employers, delivery services, retailers, and government agencies. Phishing messages try to persuade you to reveal sensitive information, open a harmful attachment, or visit a fraudulent website. Similar tactics appear in […]
Fraud is becoming more sophisticated and increasingly difficult to distinguish from legitimate customer activity. Criminals are combining stolen information, synthetic identities, social engineering, artificial intelligence (AI), and automation to bypass traditional fraud controls and make fraudulent activity appear increasingly authentic. A recent FinAi News analysis identified four threats financial institutions should pay particular attention to: […]
Handheld payment terminals have become commonplace at restaurants. They are fast, convenient, and offer an important security advantage: instead of handing your card to someone who takes it out of sight, you can keep it in your possession throughout the transaction. Although these devices are generally a secure way to pay, no payment method is […]
Mortgage lenders and servicers continue to respond to shifting borrower needs, emerging technologies, and changes in government and investor programs. These developments can create opportunities to expand product offerings and improve efficiency, but they can also introduce new documentation, disclosure, compliance, and operational considerations. Here are five trends influencing mortgage compliance in 2026 and the […]
Why reporting suspicious activity is one of the most effective security controls your organization has Every Report Matters Security incidents rarely begin with sophisticated attacks. More often, they start with something that simply doesn't seem right—a suspicious email, an unfamiliar visitor, an unexpected password reset notification, or unusual computer behavior. In those moments, it's easy […]
Every time you browse the web, register for a retail discount, or sign up for an app, your digital footprint expands. Today, information ranging from your phone number and home address to your shopping history is bought, sold, and compiled across a massive web of corporations. To truly wipe your identity from the internet, an […]
Why your home network may be your weakest security link—and how to strengthen it Your Home Office Is Now Part of Your Security Perimeter Today’s home office is more than a laptop and a Wi-Fi connection. It’s a digital ecosystem where corporate devices coexist with personal phones, tablets, and smart home technology. That convenience comes with risk. […]
After two years of constrained origination volume, lenders are actively looking for new paths to revenue and borrower access. One area gaining renewed attention: mortgage assumptions. In today’s rate environment, assumptions offer a compelling alternative, allowing borrowers to take over existing loans with below-market interest rates, creating opportunities in an otherwise challenging housing market. What is a mortgage […]
How Servicers Can Operationalize the New Requirements ONAP Establishes Permanent Loss Mitigation Framework HUD’s Office of Native American Programs (ONAP) has issued permanent loss mitigation requirements for loans guaranteed under the Section 184 Indian Housing Loan Guarantee and Section 184A Native Hawaiian Housing Loan programs. Published in Lender Letter 2026-03, the framework replaces prior COVID-era […]
The Secure Home Purchase: Defending PII in Today’s Lending Environment Securing a mortgage today requires more than financial readiness—it requires a disciplined approach to protecting Personally Identifiable Information (PII). While recent regulatory changes have reduced certain sources of exposure, the rapid evolution of AI-driven fraud has introduced new risks across the lending lifecycle. For both […]
