Yesterday I spent some time in Northern California with two groups, one of which was CAMP, and while morale is good and everyone is in the holiday spirit, the business focus is on trying to reduce costs, rollout products to help what few borrowers are out there, and leverage technology as we head through December and into the winter. Christmas will be here before you know it. Have you noticed that FedEx trucks have different colors in their logos? Well, they do, and they mean something. (And don’t forget to see the arrow between the “E” and the “X” on the trucks. Afterward, try to unsee it.) The CFPB’s logo doesn’t have any such cleverness, but it published a response to questions regarding the HMDA closed-end loan coverage threshold and the 2022 NCRC et al. v. CFPB court order. (Today’s podcast is here and brought to you by SimpleNexus, an nCino company and award-winning developer of mobile-first technology for the modern mortgage lender, and today’s features an interview with Ocrolus’ Suzanne Ross on the evolution of fraud in the mortgage space and how technology is protecting companies from threats.) Lender and Broker Software, Products, and Services Spotify called its users onions last week. Yes, you read that right. When Spotify released Wrapped (a personalized overview of music listened to over the past year) it declared: “This year, you had layers like an onion. But you listened to music, unlike an onion.” Drawing inspiration from Spotify, the 2022 mortgage market had layers like an onion, and after peeling them back, it left our eyes stinging like an onion. To help lenders make sense of a tumultuous year and prepare for 2023, Sales Boomerang + Mortgage Coach are bringing together Alex Kutishin, Dave Savage, Rob Chrisman and MBA Chief Economist Mike Fratantoni to discuss their 2023 forecasts (which hopefully look less like an onion) and give lenders advice on how to capture market opportunity next year. Register now to wrap up your year with us on Thursday, Dec. 15 at 2 pm ET.