By Eamonn Moran (August 10, 2017, 1:14 PM EDT) -- The financial services industry — and the consumer financial services marketplace in particular — is experiencing significant innovation. Technology has facilitated the emergence of fintech as a major industry — fundamentally changing virtually every aspect of the financial services landscape.[2] The emergence of more efficient technologies and novel approaches is enabling new services and transforming how payments and lending are conducted. With the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act[3] and the formation of the Consumer Financial Protection Bureau, the regulation of consumer financial products, markets and services has increased significantly. Financial institutions, as well as nonbank providers of consumer financial products and services, have become subject to new regulations and laws, face higher levels of scrutiny and operate in an environment of elevated risk of enforcement proceedings. This environment, coupled with the increased complexity of financial products and services and the need to improve profitability and streamline processes, has created a tremendous appetite for financial institutions and financial services participants to deploy a growing range of innovative finance-related software and initiatives. This rise brings with it the promise and opportunity for certain parts of the consumer finance marketplace to benefit from greater efficiency. This is especially the case for mortgage loans, where the sheer number and complexity of documents in a single transaction can be challenging and burdensome....