Operator
Good afternoon, ladies and gentlemen, and welcome to the NMI Holdings, Inc. Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions]
I would now like to turn the conference over to your host, Mr. John Swenson of management. Please go ahead, sir.
John M. Swenson
Vice President of Investor Relations and Treasury
Thank you, operator. Good afternoon and welcome to the 2020 fourth quarter conference call for National MI. I m John Swenson, Vice President of Investor Relations and Treasury. Joining us on the call today are Brad Shuster, Executive Chairman; Claudia Merkle, CEO; Adam Pollitzer, our Chief Financial Officer; and Julie Norberg, our Controller. Financial results for the quarter were released after the close today. The press release may be accessed on NMI s website located at nationalmi.com under the Investors tab.
Dec 11 2020, 9:24AM
While here in Hawai’i, if anyone receives a message from me about canned meat, don’t open it. It’s Spam! With many sticking close to home, holiday traditions have renewed importance. Putting up the Christmas tree results in sap on your hands? Well, here’s how you get it off. Shelter in place like a boss! The CFPB is certainly being “a boss” and has issued two final rules to amend the ATR/QM Rule. These rules were largely in line with expectations. The General QM Final Rule amends the General QM definition and is available here. The Seasoned QM Final Rule creates a new category of qualified mortgages and is available here. Want a summary showing recent changes? Here you go. As long as I’ve been in this business the overriding principal has been to build a perfect mortgage, and right now, top lenders are firing on all cylinders: marketing, compliance & QC, origination, processing & closing, cost control, best execution in t