The issue, says Brookfield, isn't too much stock for demand, but not enough.

You're told to implement all possible protections. But where is the money, time and people to do it all?

But they are likely jumping to conclusions too early and looking too much at information that may already be out of date.

Higher supply had a hand, but lower- and moderate-income households didn't see much benefit.

The drop happened during the last year, even as regulators focused on potential CRE loan losses.

Loans on past-due or non-accruing status are still below long-term averages.

Following a major year for bankruptcies, some retailers are showing signs of needing help.

Increased use of AI may be a growing factor.