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Here in Southern California for the California MBA’s Legal Issues and Regulatory Compliance Conference, the topics include RESPA, marketing services agreements and Section 8(a), and compliant low income and affordable housing lending. Speaking of which, Here’s a lousy headline to wake up to: “KeyBank Promised to Increase Low-Income Lending, Then Did the Opposite.” In other news lenders are watching, I don’t care if you don’t believe in climate change. And you don’t care whether or not I do. The point is, insurance companies, pension funds, private MI companies, and investors in mortgage-backed securities do, and the pricing and availability of mortgages, and insurance, in those areas is changing as well. Yet people are flocking to areas plagued by fire, hurricanes, and bed lice. (I threw that last one in to see if you were reading.) (Today’s podcast has an interview with Evergreen’s Robert Lipston on why now is the time for

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