Kat Hungerford

RicherValues’ OverSight Report Receives Ratings Agency Approvals; AAPL Announces Partnership to Expand Industry Adoption

By Kat Hungerford|2026-03-26T10:07:42-05:00March 26th, 2026|Featured, News|0 Comments

Kansas City, MO —3/26/2026— The OverSight Report, an automated appraisal risk analytics solution developed by RicherValues, has received approvals from multiple ratings agencies and third-party review (TPR) firms, enabling its use as a direct replacement for traditional appraisal desk review products in securitized transactions. OverSight analysis of active DSCR loan files since January indicates that approximately [...]

By Kat Hungerford|2026-03-26T10:07:42-05:00March 26th, 2026|Featured, News|0 Comments

State Policy Watch: Rent Stabilization and Eviction Reform in Massachusetts and Connecticut

By Kat Hungerford|2026-03-20T13:09:24-05:00March 20th, 2026|Advocacy|0 Comments

Two state-level proposals addressing rent regulation and eviction standards have advanced in Massachusetts and Connecticut. After review, the Government Relations Committee has elected to take a neutral position while continuing to monitor downstream effects on private lending markets. Massachusetts S.1447 "An Act Enabling Cities and Towns to Stabilize Rents and Protect Tenants," would authorize municipalities to [...]

By Kat Hungerford|2026-03-20T13:09:24-05:00March 20th, 2026|Advocacy|0 Comments

The New Fraud in Town: Business Identity Theft

By Kat Hungerford|2025-05-09T09:50:36-05:00October 18th, 2023|Editorial, Featured, Fraud|0 Comments

As our industry grows and gains credibility among borrowers and investors, private lenders must proactively guard against a concerning new digital risk. "Imagine you’re at home one night and receive a phone call from a borrower. He asks if you’ll be funding his loan, reminds you of the fee he paid, and wonders why you [...]

By Kat Hungerford|2025-05-09T09:50:36-05:00October 18th, 2023|Editorial, Featured, Fraud|0 Comments

Active Legislation Alert

By Kat Hungerford|2022-07-06T09:59:11-05:00April 22nd, 2022|Advocacy|0 Comments

Proposed California and New York bills will significantly impact private lenders. When it rains, it pours. Within 10 days of each other, California and New York proposed legislation impacting our industry. As of the time of publishing, California seeks to add a capital gains tax to nearly all residences sold within seven years of purchase, [...]

By Kat Hungerford|2022-07-06T09:59:11-05:00April 22nd, 2022|Advocacy|0 Comments

The Origin Story That Launched an Industry

By Kat Hungerford|2025-09-16T11:06:01-05:00January 6th, 2022|Featured, Profile|1 Comment

AAPL’s roots and the modern private lending industry can be traced to the Great Recession. It is 2009, and the Great Recession is in full swing. The federal government has passed the Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act and taken control of mortgage giants Fannie Mae and Freddie Mac. Foreclosures are at [...]

By Kat Hungerford|2025-09-16T11:06:01-05:00January 6th, 2022|Featured, Profile|1 Comment

Grassroots Efforts Make Inroads Against Legislation Impacting Private Lending

By Kat Hungerford|2022-02-04T19:51:01-06:00January 6th, 2022|Advocacy, Featured|0 Comments

Spearheaded by our Government Relations Committee, AAPL wrapped up its third year of legislative activity with some definite wins. As we continue our grassroots mobilization efforts and build strategies for how and when we talk to policymakers, we wanted to provide you—our constituents—with a frank, no-holds-barred and transparent accounting of what’s happening and where we’re [...]

By Kat Hungerford|2022-02-04T19:51:01-06:00January 6th, 2022|Advocacy, Featured|0 Comments

CFPB Seeking Input on HMDA Rules

By Kat Hungerford|2022-02-04T20:04:39-06:00December 20th, 2021|Advocacy, Featured|0 Comments

The Consumer Financial Protection Bureau launched an open comment period now through January 21 seeking input to assess the effectiveness of HMDA, focusing on: Institutional coverage and transactional coverage; Data points; Benefits of the new data and disclosure requirements; and Operational and compliance costs. This is your chance to help decrease the burden of HMDA [...]

By Kat Hungerford|2022-02-04T20:04:39-06:00December 20th, 2021|Advocacy, Featured|0 Comments

AAPL’s Market Insight Report

By Kat Hungerford|2021-11-08T20:41:22-06:00November 8th, 2021|Strategy|0 Comments

The association releases first private lending benchmark survey results. Although private lenders originate billions in loans annually, there is a lack of quantifiable data to support this aggressively expanding industry. From the outside, it makes private lending look smaller and less instrumental to the loan origination industry than it is. Internally, it means originators, fund [...]

By Kat Hungerford|2021-11-08T20:41:22-06:00November 8th, 2021|Strategy|0 Comments

COVID-19: A LITMUS TEST OF PRIVATE LENDERS’ SELF-REGULATION CAPABILITY

By Kat Hungerford|2025-09-16T11:10:14-05:00April 27th, 2021|Advocacy, Ethics, Featured|0 Comments

The private lending industry of today can trace its near-exponential growth over the past decade back to government regulation. Regulation of parallel industries, that is. Strictures that have reined in traditional institutional lending practices have largely benefited private lenders, spurring borrowers to come knocking at the door. Private lenders have, for the most part, operated [...]

By Kat Hungerford|2025-09-16T11:10:14-05:00April 27th, 2021|Advocacy, Ethics, Featured|0 Comments

AAPL to launch private lending industry’s first impartial benchmark survey

By Kat Hungerford|2021-06-08T12:30:59-05:00November 19th, 2020|Market|0 Comments

As the oldest and largest association representing the private and peer-to-peer lending industry, we regularly receive requests from lenders, researchers, and legislators about everything from the size and scope of the industry all the way down to the minutiae of origination fees and average loan terms. While this data is readily available for the conventional [...]

By Kat Hungerford|2021-06-08T12:30:59-05:00November 19th, 2020|Market|0 Comments

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Kat Hungerford

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