“Do y’all remember, before the internet, that people thought the cause of stupidity was the lack of access to information? Yeah, it wasn’t that.” The internet has brought a lot of change to the world, and to our industry. But we don’t need the internet to drive changes, and potential changes, in our biz. HUD has declared that it will once again back DACA mortgages. Huntington’s Rob B. asks, “Is a CRA Mandate coming for independent mortgage banks (IMBs)?” (Prompting his question is the perception that President Biden will look for opportunities to boost homebuyers and builders. Of course, if there is little inventory, or land to build on, or people to build them…) CFPB Director Kathy Kraninger, who’s term would not have ended until 2023, resigned, indirectly furthering the Biden Administration’s pick of replacement Rohit Chopra, awaiting Senate confirmation. (It is unclear as to who may become acting Director until the Senate confirms Kraninger’s replacement.) Brian Montgomery, confirmed less than a year ago as HUD Deputy Secretary, sent a “goodbye letter” to his staff.