Fueling Green Mortgage Reform: There Is Much Debate Around How To Encourage More Energy Efficiency

A policy debate is under way about the future of residential real

estate finance--and it does not deal with implementing the Dodd-Frank

Wall Street Reform and Consumer Protection Act, or establishing the

Consumer Financial Protection Bureau (CFPB CFPB Certified Financial Planner Board ) or determining the future of

the secondary mortgage market. Rather, this debate pits ideas about the

way residential mortgage finance is done against the way we use the

resources of this planet. * If this sounds pretty serious, that's

because it is to many people--and yet it is unknown or easily dismissed

by many others. Still, the debate is rising to a pitch that may not be

easily ignored for much longer. * Over the past 20 years or so, the

environmental--or "green"--movement has taken on the issues of

residential real estate only tangentially tangential also tangental

adj.

1. Of, relating to, or moving along or in the direction of a tangent.

2. Merely touching or slightly connected.

3. . Recently, however, the

movement has become increasingly interested in residential real estate

finance as a means of addressing a significant aspect of what it sees as

a serious problem. * According to according to

prep.

1. As stated or indicated by; on the authority of: according to historians.

2. In keeping with: according to instructions.

3. the Lawrence Berkeley National

Laboratory Lawrence Berkeley National Laboratory and Lawrence Livermore National Laboratory, scientific research centers run by the Univ. of California, located in Berkeley, Calif., and Livermore, Calif., respectively. , Berkeley, California Berkeley is a city on the east shore of San Francisco Bay in Northern California, in the United States. Its neighbors to the south are the cities of Oakland and Emeryville. To the north is the city of Albany and the unincorporated community of Kensington. (a member of the national laboratory

system supported by the U.S. Department of Energy through its Office of

Science, and managed by the University of California The University of California has a combined student body of more than 191,000 students, over 1,340,000 living alumni, and a combined systemwide and campus endowment of just over $7.3 billion (8th largest in the United States). ), 39 percent of all

electricity and natural gas consumed in the United States United States, officially United States of America, republic (2005 est. pop. 295,734,000), 3,539,227 sq mi (9,166,598 sq km), North America. The United States is the world's third largest country in population and the fourth largest country in area. goes to

buildings; 2 1 percent of that is used in residential homes. * While the

commercial and multifamily markets have a system for measuring the total

operating costs operating costs npl gastos mpl operacionales , including energy consumption and expenses, the

single-family market is criticized for not including this as part of

underwriting. In fact, federal legislation proposes to require just

that.

by: Harold v Burns

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