subject: Fueling Green Mortgage Reform: There Is Much Debate Around How To Encourage More Energy Efficiency [print this page] 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
