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Banking / white paper
Lakshmipriya Das
Functional Consultant, Banking, Financial Services and Insurance, TCS
Kalpana Palaniappan
Domain Consultant, Banking, Financial Services and Insurance, TCS
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Blockchain paves the way to seamless MSR transfers
Ensuring a smooth process for purchase and sale of mortgage loans and their servicing rights in the US mortgage market is important for maintaining liquidity and revenue generation. The existing process, with its inherent complexities and error-prone manual interventions, can potentially have adverse outcomes for borrowers. As a result, regulators have come down heavily on servicers. The industry needs to find a way to enable smooth transfer of servicing rights and ensure service continuity while also complying with regulations.
In our view, mortgage servicers must examine the possibility of adopting blockchain to minimize the complexities and risks involved in the transfer of servicing rights. This will require servicers to:
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