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Keeping things in perspective, last Thursday the White House announced a raft of measures to alleviate the ongoing baby formula shortage, which has worsened in recent weeks because of a major product recall and supply chain problems. Here in Manhattan at the MBA’s Secondary conference, participants learned that the CFPB certainly won’t be “resting on its laurels” any time soon. Not only will it not be discouraging states from creating their own CFPB-like bureaus, but we can expect the CFPB to continue to broaden its range of enforcement activities. (And servicers took note of the CFPB’s servicing bulletin yesterday.) Fortunately, most lenders and vendors are doing a very good job with compliance! Partnering with the Agencies is on the agenda, as is the ARM market, climate change (and its impact on mortgage pricing and reps & warrants), cybercrimes, and hedging. A full slate! (Today’s podcast is available here and this week’s

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