This week, host Matt Snow talks with Mike Shepard, Senior VP - Head of Consumer Lending Partnerships at U.S. Bank, about trends, best practices, and concerns within the world of home equity lending. 2022 was a strong year for the industry despite the upward trajectory of interest rates, and homeowners are continuing to leverage home equity for purposes like debt consolidation and home improvement projects. Still, the industry remains in flux — with regulatory developments, consumer sentiment, and tech advancements shaping the scope of best practices. Leveraging his years of experience in the industry, as well as his role as chair of the Home Equity Lending Committee, Mike provides plenty of actionable insights for lenders and consumers alike. Join Matt and Mike as they discuss:The main challenges of today’s home equity lending marketWhat factors are contributing to Matt’s sense of cautious optimism regarding home valuesThe vital role of collaboration within institutions like the Home Equity Lending Committee.How the uses of home equity funds have shifted over the years