It’s Thursday. What should we talk about today? Elon Musk’s bid for Twitter? How about the jump in adjustable-rate locks as evidenced by the MBA’s figures? (Are your LOs well-versed in them?) Their share of applications last week was at 7.4 percent, which was the highest share since June 2019. How about this unique measure of wage inflation? Last night in Manhattan I was chatting with a chef who, when COVID hit, had moved from a fancy restaurant to become a personal chef at three meals a day for a family in New York. The chef had changed jobs, and was now working for (coincidentally) the family of a national home builder who had homes in Miami and Aspen, but only cooking one meal a day at the same compensation for three meals a day a year ago. Or we could talk about the CFPB filing a lawsuit against TransUnion, two of its subsidiaries, and longtime executive John Danaher for violating a 2017 law enforcement order. “The order was issued to stop the company from engaging in deceptive marketing regarding its credit scores and other credit-related products. After the order went into effect, TransUnion continued its unlawful behavior, disregarded the order’s requirements, and continued employing deceitful digital dark patterns to profit from customers. ‘TransUnion is an out-of-control repeat offender that believes it is above the law,’ said CFPB Director Rohit Chopra. ‘I am concerned that TransUnion’s leadership is either unwilling or incapable of operating its businesses lawfully.’” (Today’s audio version of the commentary is available here and this week’s is sponsored by SimpleNexus, an nCino company and award-winning developer of mobile-first technology for the modern mortgage lender. Today’s features and interview with yours truly, AVP at Chrisman LLC, and whose job is hanging by a thread.)