I have long been an advocate of the small shop economy, a business sector that is growing as more people explore alternative career tracks. Self-employed folks still make up a relatively small portion of the total workforce, but their numbers are growing as overall labor participation rates decline.
What a poor time to introduce new mortgage rules which make it more difficult for the self-employed to purchase a home. A host of mortgage rules drafted by the Consumer Financial Protection Bureau became effective Jan. 10; at precisely the time when public policy should be . . .
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