Roland and Heidi discuss the potential impact of changes to the Consumer Financial Protection Bureau (CFPB) and HUD on the mortgage industry. Aaron VanTrojen, CEO of Geneva Financial, explains the CFPB's role in regulating the mortgage industry post-2008 financial crisis and the challenges of its current state. He highlights the necessity of consumer protection regulations and the potential risks of deregulation, including increased consumer costs and the potential for predatory lending. They also discuss the implications of HUD staffing cuts and the potential for state-level regulation, which could lead to increased compliance costs and inefficiencies.