Our goal is simple: help educate you, your staff and your business partners on how to conduct business as a Non-Delegated Lender.
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A NonDelegated Podcasts
Following what the Supreme Court is actually doing can be daunting. Reporting on the subject is often only done within the context of political narratives of the day -- and following the Court's decisions and reading every new case can be a non-starter. The purpose of this Podcast is to make it as easy as possible for members of the public to source information about what is happening at the Supreme Court. For that reason, we read every Opinion Syllabus without any commentary whatsoever. Fur ...
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Episode Twenty-Seven: Erin Dee on Leading with Grit, Humor, and Operational Mastery
29:43
29:43
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29:43In this episode of the Non-Del Influencers Podcast, host Matt Coles, National Sales Manager at FirstFunding, sits down with Erin Dee, Chief Operating Officer at InterLinc Mortgage and President of the Texas Mortgage Bankers Association. With over 20 years of experience spanning operations, risk management, capital markets, and mortgage technology, …
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Send us a text Goldey v. Fields PER CURIAM. In Bivens v. Six Unknown Fed. Narcotics Agents, 403 U. S. 388 (1971), this Court recognized an implied cause of action for damages against federal officers for certain alleged violations of the Fourth Amendment. The Court subsequently recognized two additional contexts where implied Bivens causes of actio…
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Trump v. CASA, Inc. (Universal Injunction / Birthright Citizenship)
14:21
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14:21Send us a text Trump v. CASA, Inc. Held: Universal injunctions likely exceed the equitable authority that Congress has given to federal courts. The Court grants the Government’s applications for a partial stay of the injunctions entered below, but only to the extent that the injunctions are broader than necessary to provide complete relief to each …
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Kennedy v. Braidwood Management, Inc. (Appointments Clause)
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13:58Send us a text Kennedy v. Braidwood Management, Inc. In 1984, the Department of Health and Human Services (HHS) created the U. S. Preventive Services Task Force, a body that formulates evidence-based recommendations regarding preventive healthcare services. Congress codified the Task Force’s role in 1999, establishing it as an entity within the Age…
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FCC v. Consumer Research (Nondelegation Doctrine)
15:53
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15:53Send us a text FCC v. Consumers’ Research The Communications Act of 1934 established the FCC and instructed it to make available to “all the people of the United States,” reliable communications services “at reasonable charges.” 47 U. S. C. §151. That objective is today known as “universal service.” The universal-service project arose from the conc…
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Mahmoud v. Taylor (LGBTQ+ Books / Parental Opt-Out)
14:35
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14:35Send us a text Held: Parents challenging the Board’s introduction of the “LGBTQ+-inclusive” storybooks, along with its decision to withhold opt outs, are entitled to a preliminary injunction. Read by Jeff Barnum.By Jake Leahy
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Free Speech Coalition, Inc. v. Paxton (Texas Pornography Regulation)
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9:35Send us a text Free Speech Coalition, Inc. v. Paxton Texas, like many States, prohibits distributing sexually explicit content to children. In 2023, Texas enacted H. B. 1181, requiring certain commercial websites publishing sexually explicit content that is obscene to minors to verify that visitors are 18 or older. Knowing violations subject covere…
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Send us a text Hewitt v. United States Before the First Step Act was enacted in 2018, federal judges were required to sentence first-time offenders convicted of violating 18 U. S. C. §924(c)—a law that criminalizes possessing a firearm while committing other crimes—to “stacked” 25-year periods of incarceration. The First Step Act eliminated this ha…
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Medina v. Planned Parenthood (Medicaid Funding)
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11:23Send us a text Median v. Planned Parenthood Held: Section 1396a(a)(23)(A) does not clearly and unambiguously confer individual rights enforceable under §1983.By Jake Leahy
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Send us a text Riley v. Bondi The Department of Homeland Security (DHS) sought to remove Pierre Riley, a citizen of Jamaica, from the United States under expedited procedures for aliens convicted of aggravated felonies. On January 26, 2021, the DHS issued a “final administrative review order” (FARO) directing Riley’s removal to Jamaica. Under 8 U. …
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Send us a text Stanley v. City of Sanford Karyn Stanley worked as a firefighter for the City of Sanford, Florida, starting in 1999. When Ms. Stanley was hired, the City offered health insurance until age 65 for two categories of retirees: those with 25 years of service and those who retired earlier due to disability. In 2003, the City changed its p…
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Fuld v. Palestinian Liberation Organization (Due Process)
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9:24Send us a text Held: The PSJVTA’s personal jurisdiction provision does not violate the Fifth Amendment’s Due Process Clause because the statute reasonably ties the assertion of jurisdiction over the PLO and PA to conduct involving the United States and implicating sensitive foreign policy matters within the prerogative of the political branches. Re…
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Diamond Alternative Energy, LLC v. EPA (ARTICLE 3 STANDING, ADMIN LAW)
9:31
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9:31Send us a text https://www.supremecourt.gov/opinions/24pdf/24-7_8m58.pdfBy Jake Leahy
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ESTERAS v. UNITED STATES (Revocation of Supervised release/factors courts may and may not consider)
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10:51Send us a textBy Jake Leahy
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United States v. Skrmetti (Transgender Treatment)
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12:06Send us a text In 2023, Tennessee joined the growing number of States restricting sex transition treatments for minors by enacting the Prohibition on Medical Procedures Performed on Minors Related to Sexual Identity, Senate Bill 1 (SB1). SB1 prohibits healthcare providers from prescribing, administering, or dispensing puberty blockers or hormones t…
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Send us a text Rivers v. Guerrero Petitioner Danny Rivers was convicted in Texas state court of continuous sexual abuse of a child and related charges. After unsuccessfully seeking direct appeal and state habeas relief, Rivers filed his first federal habeas petition under 28 U. S. C. §2254 in August 2017, asserting claims of prosecutorial misconduc…
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Commissioner v. Zuch (Tax Court Jurisdiction)
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7:34Send us a text Commissioner v. Zuch This case involves the jurisdiction of the United States Tax Court over appeals from collection due process hearings when there is no longer an ongoing levy. The dispute here began in 2012, when Jennifer Zuch and her then-husband Patrick Gennardo each filed an untimely 2010 federal tax return. Gennardo subsequent…
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Parrish v. United States (Appellate Procedure)
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6:44Send us a text Parrish v. United States Federal inmate Donte Parrish alleges that he was placed in restrictive segregated confinement for 23 months based on his suspected involvement in another inmate’s death. After a hearing officer cleared him of wrongdoing, Parrish filed suit in Federal District Court seeking damages for his time in segregated c…
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Send us a text Soto v. United States The Barring Act, 31 U. S. C. §3702, establishes default settlement procedures for claims against the Government and subjects most claims to a 6-year limitations period. However, the Act includes an exception: If “another law” confers authority to settle a claim against the Government, that law displaces the Barr…
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ENVIRONMENTAL PROTECTION AGENCY v. CALUMET SHREVEPORT REFINING, L.L.C (VENUE FOR CLEAN AIR ACT CASES)
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10:50Send us a textBy Jake Leahy
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PERTTU v. RICHARD (Prison Littigation Reform Act Exhaustion & Jury Trial Right)
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10:55Send us a textBy Jake Leahy
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AJT v. Osseo Area Schools (Education / Disability)
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9:08Send us a text AJT v. Osseo Area Schools Held: Schoolchildren bringing ADA and Rehabilitation Act claims related to their education are not required to make a heightened showing of “bad faith or gross misjudgment” but instead are subject to the same standards that apply in other disability discrimination contexts. ROBERTS, C. J., delivered the opin…
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Catholic Charities v. Wisconsin (First Amendment)
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5:55Send us a text Catholic Charities v. Wisconsin Wisconsin law exempts certain religious organizations from paying unemployment compensation taxes. The relevant statute exempts nonprofit organizations “operated primarily for religious purposes” and “operated, supervised, controlled, or principally supported by a church or convention or association of…
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CC/Devas (Mauritius) Ltd. v. Antrix Corp. (Jurisdiction / Foreign Immunity)
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6:14Send us a text Held: Personal jurisdiction exists under the FSIA when an immunity exception applies and service is proper. The FSIA does not require proof of “minimum contacts” over and above the contacts already required by the Act’s enumerated exceptions to foreign sovereign immunity. Read by Jeff Barnum. Justice Alito delivered the opinion for a…
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Episode Twenty-Six: How AmeriHome Helps Lenders Scale: A Conversation with Paul Needels, SVP at AmeriHome Correspondent
25:42
25:42
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25:42In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Paul Needels, SVP and Head of Non-Delegated Correspondent Lending at AmeriHome, to unpack what it really takes to scale successfully in today’s complex lending environment—and how AmeriHome is leading the way in supporting that growth. Paul breaks down how AmeriHome …
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Send us a text Held: Relief under Rule 60(b)(6) requires extraordinary circumstances, and this standard does not become less demanding when the movant seeks to reopen a case to amend a complaint. A party must first satisfy Rule 60(b) before Rule 15(a)’s liberal amendment standard can apply.By Jake Leahy
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Send us a text Held: The D. C. Circuit failed to afford the Board the substantial judicial deference required in NEPA cases and incorrectly interpreted NEPA to require the Board to consider the environmental effects of upstream and downstream projects that are separate in time or place from the Uinta Basin Railway. Pp. 6–22. Read by Jeff Barnum.…
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A. J. T. v. OSSEO AREA SCHOOLS (Public School Disability Accommodations)
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9:35Send us a textBy Jake Leahy
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Send us a textBy Jake Leahy
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SMITH & WESSON BRANDS, INC., ET AL. v. ESTADOS UNIDOS MEXICANOS
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12:18Send us a textBy Jake Leahy
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Send us a text Kousisis v. Trump Held: A defendant who induces a victim to enter into a transaction under materially false pretenses may be convicted of federal fraud even if the defendant did not seek to cause the victim economic loss. Read by Jeff Barnum.By Jake Leahy
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Send us a text AARP v. Trump PER CURIAM. The President has invoked the Alien Enemies Act (AEA), Rev. Stat. §4067, 50 U. S. C. §21, to remove Venezuelan nationals who are members of Tren de Aragua (TdA), a designated foreign terrorist organization. See Presidential Proclamation No. 10903, 90 Fed. Reg. 13033 (2025). Applicants are two detainees ident…
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Send us a text Barnes v. Felix Held: A claim that a law enforcement officer used excessive force during a stop or arrest is analyzed under the Fourth Amendment, which requires that the force deployed be objectively reasonable from “the perspective of a reasonable officer at the scene.” Read by Jeff Barnum.…
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Episode Twenty-Five: How Non-Del Lenders Can Differentiate with Appraisal Strategy w/Jon Tallinger
25:51
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25:51In this high-impact episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Jon Tallinger, Chief Growth Officer at Class Valuation, to uncover a key competitive edge for Non-Delegated Lenders: owning and optimizing your AMC (Appraisal Management Company) relationship. Jon shares how forward-thinking lenders are moving beyond the …
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Episode Twenty-Four: Tom Davis on How Non-Del Lenders Can Win with Expanded Product Access
32:21
32:21
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32:21In this high-impact episode of the Non-Del Influencers Podcast, host Matt Coles, National Sales Manager at FirstFunding, Inc., sits down with Tom Davis, Chief Sales Officer at Deephaven Mortgage, to explore how Non-QM and Non-Delegated solutions are powering growth for today’s most agile originators. Tom shares how Deephaven is uniquely positioned …
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Episode Twenty-Three: Lauren Gustafson on Why Compliance Confidence is Key to Scaling Successfully
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28:14In this high-impact episode of the Non-Del Influencers Podcast, host Matt Coles, National Sales Manager at FirstFunding, Inc., sits down with Lauren Gustafson, Director of Business Development at Strategic Compliance Partners, to dive into one of the most important, yet often misunderstood, aspects of Non-Delegated Lending: compliance management. L…
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Episode Twenty-Two: Building Legacy & Lending the Right Way with Wade Betz at Mpire Financial Group
28:26
28:26
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28:26In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Wade Betz, Head of Correspondent Lending at Mpire Financial Group, for a transparent and energizing conversation on building a scalable and resilient non-delegated lending platform. Wade opens up about his journey from retail to broker to banker—sharing valuable less…
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Felicano v. Department of Transportation (Differential Pay / Veterans' Benefits)
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8:27Send us a text In Feliciano v. Department of Transportation, the Supreme Court clarified the meaning of “during a national emergency” in a federal statute granting differential pay to federal civilian employees who serve as reservists. Nick Feliciano, a federal air traffic controller and Coast Guard reservist, sought differential pay for his active…
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Advocate Christ v. Kennedy (Social Security Benefits)
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13:09Send us a text In Advocate Christ Medical Center v. Kennedy, the Supreme Court addressed how to calculate the Medicare “disproportionate share hospital” (DSH) adjustment—a statutory formula that provides extra funding to hospitals serving many low-income patients. At issue was how to interpret the term “entitled to [SSI] benefits” in the Medicare f…
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Episode Twenty-One: Drew Dyet of Pennymac TPO on Powering Growth Through Non-Del+
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18:32
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18:32In this dynamic episode of the Non-Del Influencers Podcast, host Matt Coles welcomes Drew Dyet, SVP – TPO Sales at Pennymac TPO, to talk about one of the most talked-about rollouts in the Non-Delegated space—PennyMac Non-Del+ Program. Drew shares exclusive insight into what went into building this new program, the feedback loop from trusted lender …
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Send us a text In Monsalvo Velazquez v. Bondi the Supreme Court held that when a voluntary departure deadline under 8 U.S.C. §1229c(b)(2) lands on a weekend or legal holiday, it carries over to the next business day. Monsalvo Velázquez had been granted 60 days to voluntarily depart the U.S. He filed a motion to reopen on the following Monday after …
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Episode Twenty: Game-Changing Non-QM Strategy with Eric Lenarz with Champions Funding
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24:00In this episode of the Non-Del Influencers Podcast, host Matt Coles sits down with Eric Lenarz, EVP of Correspondent Lending at Champions Funding, for an eye-opening conversation on the evolution of Non-QM lending and what it really takes to build a fully integrated correspondent channel in today’s market. Eric shares how Champions Funding is offer…
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Send us a text In Cunningham v. Cornell University, the Supreme Court addressed a fundamental pleading question under the Employee Retirement Income Security Act of 1974 (ERISA). Petitioners—former and current Cornell University employees—alleged that university fiduciaries violated ERISA §1106(a)(1)(C) by causing their retirement plans to pay exce…
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Episode Nineteen: Scaling Success with Gabe Hanby, with United Wholesale Mortgage
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25:23In this exciting new episode of the Non-Del Influencers Podcast, host Matt Coles, National Sales Manager at FirstFunding, sits down with Gabe Hanby, Senior Account Executive and Team Lead at United Wholesale Mortgage, to talk about growth, grit, and game-changing strategies for Non-Delegated Lenders. From getting his start fresh out of Michigan Sta…
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Send us a text In Donald J. Trump, President of the United States, et al. v. J.G.G., et al., the Supreme Court granted the government’s application to vacate temporary restraining orders issued by the District Court for the District of Columbia, which had blocked the removal of several Venezuelan detainees allegedly affiliated with the foreign terr…
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Send us a text In Department of Education, et al. v. California, the Supreme Court in a per curiam decision granted the federal government’s application to stay a district court order that had mandated continued payment of certain education-related grants. The District Court for the District of Massachusetts had issued a temporary restraining order…
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Medical Marijuana, Inc. v. Horn (Civil RICO)
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11:24Send us a text In Medical Marijuana, Inc. v. Horn, the Supreme Court affirmed the Second Circuit and held that a plaintiff may seek treble damages under the civil RICO statute for injuries to business or property, even if those injuries stem from a personal injury. Douglas Horn was fired after testing positive for THC, allegedly caused by using a C…
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FDA v. Wages and White Lion Investments, LLC (Administrative Law)
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14:35Send us a text In FDA v. Wages and White Lion Investments, the Supreme Court unanimously vacated a Fifth Circuit decision that found the Food and Drug Administration acted arbitrarily and capriciously when it denied authorization for flavored e-cigarette products. Under the Tobacco Control Act of 2009, manufacturers must receive FDA approval before…
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Send us a text In United States v. Miller, the Supreme Court reversed the Tenth Circuit and held that a bankruptcy trustee cannot use §544(b) of the Bankruptcy Code to claw back funds from the federal government under a state fraudulent-transfer law, due to sovereign immunity. The case arose after shareholders of a failed Utah business used $145,00…
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