Our guest today is Michael Fratantoni, VP of the MBA. Michael has a PhD in economics and is responsible for industry surveys, economic and mortgage origination forecasts for the MBA as well as industry technology efforts.\n \xa0On today's broadcast we will be discussing the major issues facing lenders today. \xa0 Below is just a few of the topics will be discussing on today's broadcast:\n \xa0The ever changing regulatory environment \xa0Ongoing repurchase demands \xa0Tighter underwriting standards including conservative property valuations \xa0risk management as both an art and a science \xa0he will be explaining how executives \xa0 managed to balance controlling risk while growing production.\n Also, we will be giving information about the upcoming conference on risk management and quality assurance that will be happening September 9th -11th in Dallas Texas. \xa0You can learn more by going\xa0to the conference website: http://www.mortgagebankers.org/rmqa12.htm\n Our guest today is Michael Fratantoni, VP of the MBA. Michael has a PhD in economics and is responsible for industry surveys, economic and mortgage origination forecasts for the MBA as well as industry technology efforts.\n \xa0On today's broadcast we will be discussing the major issues facing lenders today. \xa0 Below is just a few of the topics will be discussing on today's broadcast:\n \xa0The ever changing regulatory environment \xa0Ongoing repurchase demands \xa0Tighter underwriting standards including conservative property valuations \xa0risk management as both an art and a science \xa0he will be explaining how executives \xa0 managed to balance controlling risk while growing production.\n Also, we will be giving information about the upcoming conference on risk management and quality assurance that will be happening September 9th -11th in Dallas Texas. \xa0You can learn more by going\xa0to the conference website: http://www.mortgagebankers.org/rmqa12.htm