"Investment Decisions- Mortgages" Please respond to the following:

New regulatory requirement imposed on banks and financial institutions may have impacted a banks ability to generate mortgages for home buyers by increased requirements for disclosures, notices, statements, and documents related to lending. Evaluate the pros and cons of increased regulatory requirement, indicating the impact to the lender and the buyer. Provide support for your answer.

Based on your review of the mortgage rate trends, predict the future (within a year) rate of the 30-year fixed and the 15-year fixed rate mortgage, indicating the basis and rationale of your prediction, and the resulting impact to the mortgage industry.

Please provide one citation/reference for your initial posting that is not your textbook.Please do not use Investopedia or Wikipedia.