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4 46 40 70 This Month FROM OUR DESK . . . . . . . . . . . . . . . . . . . . . 2 DS JOURNAL Cordray: Mortgage Credit is "Still Too Tight", War of Words Over Dodd-Frank Heats Up, FHA Clarifies Bank Liability For Mortgage Errors, Lawmakers Lobby for CFPB to Exempt Credit Unions from Rulemaking, Freddie Mac Prices Credit Risk Transaction at Nearly a Half Billion Dollars . . . . . . . . . . . . . . . . 7 ASK THE ECONOMIST . . . . . . . . . . . . . . . .36 COUNSEL'S CORNER . . . . . . . . . . . . . . . .42 FIVE MINUTES WITH MARK McARDLE . . . . . . . . . . . .44 STATE OF AFFAIRS Impactful local market information at your fingertips . . . . . . . . . . . . . . . . . . . . .78 COVER STORY MOVING WITH THE MARKET What Opportunities Can Be Had in Single Family Rentals? . . . . . . . . . . . .64 By Scott Morgan INDUSTRY INSIGHT STAYING AHEAD OF THE THREAT Why Security Awareness is Vital to Your Organization. . . . . . . . . . . . . . . . .70 By Michael O'Connor INDUSTRY INSIGHT DUKING IT OUT Congress gets in the ring over non- performing loan sales. By Brian Honea . . . . . . . . . . . . . . . . . . .74 Contributors SCOTT MORGAN is a multi-award-winning journalist and editor based out of Texas. During his 11 years as a newspaper journalist, he wrote more than 4,000 published pieces. He's been recognized for his work since 2001, and his creative writing continues to win acclaim from readers and fellow writers alike. He is also a creative writing teacher and the author of several books, from short fiction to written works about writing. BRIAN HONEA'S writing and editing career spans 15 years across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non- fiction sports books, the latest of which, e Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master's degree from Amberton University in Garland. MICHAEL O'CONNOR is SVP of Service Delivery at Aspen Grove Solutions. In this role he plans, organizes, and manages staff and overall IT operations. He ensures the stable operation of the organization's software development including developing, maintaining, supporting, and optimizing key functional areas. Focusing on customers and delivering service excellence in a fast paced, ever changing environment. Join the Conversation Do you have a suggestion, story idea, or feedback you'd like to share with DS News readers? Help shape our next issue and e-mail Editor@DSNews.com. A P R I L 2 0 1 6 C o n t e n t s D S N E W S . C O M 60 MOVING WITH THE MARKET. 74