{"id":1175,"date":"2019-01-08T16:18:00","date_gmt":"2019-01-08T16:18:00","guid":{"rendered":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/"},"modified":"2025-03-13T02:17:56","modified_gmt":"2025-03-13T02:17:56","slug":"cfpb-new-hire-kathy-kraninger","status":"publish","type":"post","link":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/","title":{"rendered":"CFPB New Hire: Who is Kathy Kraninger?"},"content":{"rendered":"

Who is Kathy Kraninger?<\/h2>\n

A surprise nomination of Kraninger to lead the CFPB has folks wondering about her position on critical issues.<\/em><\/h6>\n

On Dec. 6, the U.S. Senate confirmed Kathy Kraninger as the next Consumer Financial Protection Bureau (CFPB) Director by a 50-49 vote along party lines.<\/p>\n

<\/p>\n

Kraninger will replace Mick Mulvaney, who became CFPB\u2019s Acting Director after former Director Richard Cordray stepped down in November 2017. Cordray often had been criticized by Republicans and the industry for his aggressive enforcement of federal consumer financial laws such as RESPA, often in the absence of clear regulatory guidance. Mulvaney was condemned by Democrats and consumer advocates for scaling back Cordray\u2019s regulatory and enforcement initiatives and reducing the Bureau\u2019s budget and staff.<\/p>\n

Kraninger\u2019s nomination in June 2018 was a surprise since few people in the financial services field had ever heard of her. So, who is Kathy Kraninger, and will she continue on the same path as Mulvaney at the CFPB?<\/p>\n

A Mulvaney Protege<\/h4>\n

When nominated by President Trump, Kathy Kraninger served as associate director for the Office of Management and Budget under Mulvany, overseeing a $250 billion budget across seven Cabinet departments. Previously, she had worked for the Senate Appropriations Committee and the Department of Homeland Security.<\/p>\n

As a former Mulvaney employee, she was assumed to have a similar approach to regulation and enforcement; a belief that she confirmed during her confirmation process. \u201cBased on the information that is available to me at this time, I cannot identify any actions that Acting Director Mulvaney has taken with which I disagree,\u201d she said in responses to the Senators\u2019 written questions.<\/p>\n

A Woman of Mystery<\/h4>\n

Kraninger’s lack of financial regulatory experience, coupled with a lack of specificity in her responses to questions during her confirmation process, makes it hard to know if she will rubber stamp Mulvaney\u2019s initiatives during his one-year tenure at the CFPB or attempt to define her own agenda. In her July confirmation testimony, she said she would establish four initial priorities for the CFPB:<\/p>\n

    \n
  • It should be fair and transparent; specifically, it should make robust use of cost-benefit analysis to facilitate competition and clear rules.<\/li>\n
  • It should work closely with the other financial regulators and the states on supervision and enforcement.<\/li>\n
  • It should protect sensitive information in its possession by limiting data collection and ensuring that data is protected.<\/li>\n
  • It should be accountable to the American people for its actions, including its expenditure of resources.<\/li>\n<\/ul>\n

    A Critic of Regulation by Enforcement<\/h4>\n

    Mulvaney made clear at the outset of his tenure that he would end the regulation-by-enforcement mentality at the CFPB under Cordray\u2019s tenure.<\/p>\n

    Kathy Kraninger assured Republicans at her confirmation hearing that she also will not allow the Bureau to regulate issues through enforcement actions. \u201cIt is critical to have clear rules so that lenders and consumers are aware of the rules,\u201d she said. \u201cEffective use of notice and comment rulemaking is essential for ensuring the proper balancing of all interests.\u201d<\/p>\n

    An Open Mind on Fair Lending<\/h4>\n

    Mulvaney provoked criticism from consumer advocates when he stripped the CFPB\u2019s Office of Fair Lending and Equal Opportunity of its enforcement powers and moved it to the Director\u2019s office to handle \u201cadvocacy, coordination, and education.\u201d Under Cordray, the office had assertively enforced fair lending laws against mortgage lenders.<\/p>\n

    The CFPB under Cordray also reaffirmed its commitment to using the disparate impact theory (under which a regulator considers practices that adversely affect a protected group over others even though the practice is formally neutral) when enforcing the Equal Credit Opportunity Act (ECOA) and brought numerous cases based on the doctrine. The Bureau, under Mulvaney, announced in May that the CFPB would re-examine ECOA requirements in light of a recent Supreme Court ruling that set standards to ensure that racial imbalance alone does not create a prima facie case under the Fair Housing Act.<\/p>\n

    Kathy Kraninger assured senators at her confirmation hearing that she is committed to enforcing fair lending laws as CFPB director and that she will review Mulvaney\u2019s decision to reorganize the CFPB\u2019s Office of Fair Lending with \u201can open mind.\u201d  She said that she plans to have detailed conversations with staff to better understand the CFPB\u2019s position on disparate impact before deciding on its usage in fair lending enforcement cases.<\/p>\n

    Summary<\/h4>\n

    The CFPB director\u2019s single-director structure term means that Kathy Kraninger will have vast unilateral power over federal consumer protection laws over her five-year term. She will approve all enforcement actions, and she will be at the helm of the CFPB during its statutorily mandated review of all significant rules under Dodd-Frank (including the Qualified Mortgage and Truth in Lending-RESPA Disclosure (TRID) regulations) that will set the stage for future rulemakings. While we know little about her, early signs point to a more transparent regulatory process and more targeted enforcement initiatives based on clearer rules.<\/p>\n

    Sue Johnson is the former executive director of RESPRO, the Real Estate Services Providers Council Inc. She retired in 2015 and is now a strategic alliance consultant.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

    Who is Kathy Kraninger? A surprise nomination of Kraninger to lead the CFPB has folks wondering about her position on critical issues. On Dec. 6, the U.S. Senate confirmed Kathy Kraninger as the next Consumer Financial Protection Bureau (CFPB) Director by a 50-49 vote along party lines.<\/p>\n","protected":false},"author":15802,"featured_media":4822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3255],"tags":[],"coauthors":[],"class_list":["post-1175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"\nCFPB New Hire: Who is Kathy Kraninger?<\/title>\n<meta name=\"description\" content=\"When nominated by President Trump, Kathy Kraninger served as associate director for the Office of Management and Budget under Mulvany, overseeing a $250 billion budget across seven Cabinet departments\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CFPB New Hire: Who is Kathy Kraninger?\" \/>\n<meta property=\"og:description\" content=\"When nominated by President Trump, Kathy Kraninger served as associate director for the Office of Management and Budget under Mulvany, overseeing a $250 billion budget across seven Cabinet departments\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/\" \/>\n<meta property=\"og:site_name\" content=\"RealTrends - Blog\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tracey Velt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@traceyveltFL\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tracey Velt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/\"},\"author\":{\"name\":\"Tracey Velt\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788\"},\"headline\":\"CFPB New Hire: Who is Kathy Kraninger?\",\"datePublished\":\"2019-01-08T16:18:00+00:00\",\"dateModified\":\"2025-03-13T02:17:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/\"},\"wordCount\":848,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"articleSection\":[\"Archive\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#respond\"]}],\"isAccessibleForFree\":\"False\",\"hasPart\":{\"@type\":\"WebPageElement\",\"isAccessibleForFree\":\"False\",\"cssSelector\":\".wp-block-housingwire-piano-member\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/\",\"url\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/\",\"name\":\"CFPB New Hire: Who is Kathy Kraninger?\",\"isPartOf\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"datePublished\":\"2019-01-08T16:18:00+00:00\",\"dateModified\":\"2025-03-13T02:17:56+00:00\",\"description\":\"When nominated by President Trump, Kathy Kraninger served as associate director for the Office of Management and Budget under Mulvany, overseeing a $250 billion budget across seven Cabinet departments\",\"breadcrumb\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#primaryimage\",\"url\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"contentUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png\",\"width\":1200,\"height\":675,\"caption\":\"9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.realtrends.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"CFPB New Hire: Who is Kathy Kraninger?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#website\",\"url\":\"https:\/\/www.realtrends.com\/blog\/\",\"name\":\"RealTrends - Blog\",\"description\":\"Empowering Real Estate Decisions with Trusted Insights.\",\"publisher\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.realtrends.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#organization\",\"name\":\"RealTrends - Blog\",\"url\":\"https:\/\/www.realtrends.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png\",\"contentUrl\":\"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png\",\"width\":2321,\"height\":227,\"caption\":\"RealTrends - Blog\"},\"image\":{\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788\",\"name\":\"Tracey Velt\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/image\/9b3cf1be6b1fb876ab0bd60ce0a485d0\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g\",\"caption\":\"Tracey Velt\"},\"description\":\"Tracey Velt is the Senior Director of Data & Content. She is the host of the popular RealTrending podcast, manages content for the real estate team and The Gathering and leads editorial and sponsored research across the HW Media brands. Tracey has more than 25 years of experience writing and editing for the real estate industry and is the former editor in chief of Florida Realtor magazine. She resides in Florida.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/traceyvelt\/\",\"https:\/\/x.com\/traceyveltFL\"],\"url\":\"https:\/\/www.realtrends.com\/blog\/author\/tracey-velt\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"CFPB New Hire: Who is Kathy Kraninger?","description":"When nominated by President Trump, Kathy Kraninger served as associate director for the Office of Management and Budget under Mulvany, overseeing a $250 billion budget across seven Cabinet departments","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/","og_locale":"en_US","og_type":"article","og_title":"CFPB New Hire: Who is Kathy Kraninger?","og_description":"When nominated by President Trump, Kathy Kraninger served as associate director for the Office of Management and Budget under Mulvany, overseeing a $250 billion budget across seven Cabinet departments","og_url":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/","og_site_name":"RealTrends - Blog","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","type":"image\/png"}],"author":"Tracey Velt","twitter_card":"summary_large_image","twitter_creator":"@traceyveltFL","twitter_misc":{"Written by":"Tracey Velt","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#article","isPartOf":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/"},"author":{"name":"Tracey Velt","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788"},"headline":"CFPB New Hire: Who is Kathy Kraninger?","datePublished":"2019-01-08T16:18:00+00:00","dateModified":"2025-03-13T02:17:56+00:00","mainEntityOfPage":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/"},"wordCount":848,"commentCount":0,"publisher":{"@id":"https:\/\/www.realtrends.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#primaryimage"},"thumbnailUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","articleSection":["Archive"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#respond"]}],"isAccessibleForFree":"False","hasPart":{"@type":"WebPageElement","isAccessibleForFree":"False","cssSelector":".wp-block-housingwire-piano-member"}},{"@type":"WebPage","@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/","url":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/","name":"CFPB New Hire: Who is Kathy Kraninger?","isPartOf":{"@id":"https:\/\/www.realtrends.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#primaryimage"},"image":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#primaryimage"},"thumbnailUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","datePublished":"2019-01-08T16:18:00+00:00","dateModified":"2025-03-13T02:17:56+00:00","description":"When nominated by President Trump, Kathy Kraninger served as associate director for the Office of Management and Budget under Mulvany, overseeing a $250 billion budget across seven Cabinet departments","breadcrumb":{"@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#primaryimage","url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","contentUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","width":1200,"height":675,"caption":"9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d"},{"@type":"BreadcrumbList","@id":"https:\/\/www.realtrends.com\/blog\/2019\/01\/08\/cfpb-new-hire-kathy-kraninger\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.realtrends.com\/blog\/"},{"@type":"ListItem","position":2,"name":"CFPB New Hire: Who is Kathy Kraninger?"}]},{"@type":"WebSite","@id":"https:\/\/www.realtrends.com\/blog\/#website","url":"https:\/\/www.realtrends.com\/blog\/","name":"RealTrends - Blog","description":"Empowering Real Estate Decisions with Trusted Insights.","publisher":{"@id":"https:\/\/www.realtrends.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.realtrends.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.realtrends.com\/blog\/#organization","name":"RealTrends - Blog","url":"https:\/\/www.realtrends.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png","contentUrl":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/cropped-RTV_Horizontal_logo_Blue.png","width":2321,"height":227,"caption":"RealTrends - Blog"},"image":{"@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/db05dddc94c61082eaa18f2f5e66c788","name":"Tracey Velt","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.realtrends.com\/blog\/#\/schema\/person\/image\/9b3cf1be6b1fb876ab0bd60ce0a485d0","url":"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g","caption":"Tracey Velt"},"description":"Tracey Velt is the Senior Director of Data & Content. She is the host of the popular RealTrending podcast, manages content for the real estate team and The Gathering and leads editorial and sponsored research across the HW Media brands. Tracey has more than 25 years of experience writing and editing for the real estate industry and is the former editor in chief of Florida Realtor magazine. She resides in Florida.","sameAs":["https:\/\/www.linkedin.com\/in\/traceyvelt\/","https:\/\/x.com\/traceyveltFL"],"url":"https:\/\/www.realtrends.com\/blog\/author\/tracey-velt\/"}]}},"jetpack_featured_media_url":"https:\/\/www.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/9ced5ef4-69ab-4ba7-a7cd-ec49be7b274d.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts\/1175","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/users\/15802"}],"replies":[{"embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/comments?post=1175"}],"version-history":[{"count":1,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts\/1175\/revisions"}],"predecessor-version":[{"id":5962,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/posts\/1175\/revisions\/5962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/media\/4822"}],"wp:attachment":[{"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/media?parent=1175"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/categories?post=1175"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/tags?post=1175"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.realtrends.com\/blog\/wp-json\/wp\/v2\/coauthors?post=1175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}