Writing

Bylined in HousingWireon mortgage and technology, plus a weekly newsletter of rants on AI in regulated lending & fintech — from an operator who ships it, not someone covering it.

• 014
  July 27, 2026

  Mortgage AI Agents Are Rolling Out. No One's Talking About Why That's Terrifying.

  Lenders are shipping AI into production at scale. The regulatory and reputational time bombs they're ignoring will define the next five years.

• 013
  July 20, 2026

  We're Shipping AI Agents Into Lending While Accountability Burns

  ConnectOne deploys nCino agents in commercial lending as regulators still don't know who's liable when they fail.

• 012
  July 19, 2026

  The FCA's Regulatory Lag: Releasing Oversight Playbooks While Lenders Ship Six-Minute Loan Decisions

  Regulators draft frameworks to control AI in finance while the industry has already moved three moves ahead.

• 011
  July 13, 2026

  Regulators Discover AI Concentration Risk After the Vendors Already Won

  The FCA is sounding alarms about too-few tech providers controlling lending systems—but the industry consolidated years ago.

• 010
  July 6, 2026

  AI Lenders Are Racing Past Their Guardrails and Regulators Know It

  Auto lenders are ditching underwriting rigor for speed, and compliance is catching up after the fact—a bet that will not age well.

• 009
  June 29, 2026

  Self-employed borrowers are finally breaking free from the mortgage industry's incompetence

  Banks locked out $11 trillion in home equity by refusing to lend to business owners. AI-native fintechs are eating their lunch.

• 008
  June 22, 2026

  The mortgage AI bubble is priced for perfection, not regulation

  Lenders are burning $1K+ per loan on manual work. VCs are flooding capital into automation. Nobody's pricing the cost of being wrong at scale in a regulated industry.

• 007
  June 18, 2026

  This Isn't a Portfolio. It's a Control Plane.

  How do you let a language model touch a serious workflow without it becoming the thing you can't explain? The architecture this site quietly runs on.

• 006
  June 16, 2026

  AI agents are moving money faster than security can think

  Coinbase is shipping agentic wallets while researchers just disclosed how to hijack AI agents. The crash is coming.

• 005
  June 15, 2026

  "AI Won't Take Your Job" Is a Comforting Lie. Here Is the Honest Version.

  The slogan is half true, which makes it more dangerous than a clean lie. Let me give you the part that actually matters.

• 004
  June 14, 2026

  Why MCP Servers Will Eat the IDE

  The integrations are becoming the product.

• 003
  June 8, 2026

  AI in Mortgage Will Not Be Won by the Flashiest Demo. It Will Be Won by Whoever Survives the Audit.

  Everyone is racing to put a model in front of a borrower. The real moat is behind the scenes, in the part nobody demos.

• 002
  June 1, 2026

  Stop Handing Engineers Your Vibe-Coded Prototype. Hand Them the Spec.

  The prototype was never the asset. The thinking behind it was. Most teams are shipping the wrong artifact to their engineers.

• 001
  May 25, 2026

  The PM Role Is Being Rewritten. Most PMs Are Editing the Wrong Draft.

  Everyone agrees the product manager job is changing. Almost no one agrees on what it is changing into. Here is the version I am betting my career on.