Browse articles from all of our Newsletters related to FHFA.

January 11, 2019 - Inside The GSEs

Otting Takes Charge at FHFA

Comptroller of the Currency Joseph Otting early this week became the second member of the Trump administration to simultaneously run two federal agencies when he took charge as acting director of the Federal Housing Finance Agency.

January 11, 2019 - Inside The GSEs

FHFA Modifies FHLB Capital Requirements

The Federal Housing Finance Agency last week announced revisions to its final rules pertaining to capital requirements for Federal Home Loan Banks.

January 11, 2019 - Inside MBS & ABS

Milken Institute Suggests FHFA Reform Sans Congress

Industry observers have generated a steady stream of ideas on how the agency might reform the government-sponsored enterprises administratively rather than wait for Congress.

January 10, 2019 - Inside Mortgage Finance

Otting Takes Charge as FHFA Acting Director

Joseph Otting, the comptroller of the currency, added the title of the Federal Housing Finance Agency acting director to his brief this week, effectively bringing the Mel Watt era at the agency to an end.

January 4, 2019 - Inside Nonconforming Markets

Non-Agency Market May Get a Boost from FHFA

Industry analysts expect Mark Calabria to shake things up at the Federal Housing Finance Agency – that is, once he’s approved by the full Senate. “The nomination of Calabria should, in our view, be taken as an indication of the administration’s and the Treasury Department’s will to tackle housing reform proactively, rather than maintain the status quo,” analysts at Bank of America Merrill Lynch said. According to Wells Fargo Securities, Calabria’s nomination is one of the most significant ...

December 21, 2018 - Inside The GSEs

GSEs Must Focus on Access to Credit, Foreclosure Prevention

There are no surprises in the Federal Housing Finance Agency’s 2019 scorecard, which outlines its conservatorship priorities over the coming year for Fannie Mae, Freddie Mac and their joint venture Common Securitization Solutions. The report underscores goals dating from the FHFA’s 2014 strategic plan.

December 21, 2018 - Inside The GSEs

Calabria’s Past Comments on GSEs, Securitization and More

“Securitization is the false god that failed us.” These are the words of Mark Calabria, the conservative economist whom the Trump administration nominated last week as director of the Federal Housing Finance Agency, replacing Mel Watt, whose term ends in January.

December 21, 2018 - Inside The GSEs

GSEs G-Fees Held Steady in 2017, FHFA Says in Annual Report

The average guarantee fee charged by Fannie Mae and Freddie Mac was unchanged at 56 basis points in 2017, according to an annual report from the Federal Housing Finance Agency.

December 21, 2018 - Inside The GSEs

FHFA Issues Proposed Rule on Credit-Scoring Models

The Federal Housing Finance Agency proposed new standards Fannie Mae and Freddie Mac must use to consider approving new credit-scoring models.

December 20, 2018 - Inside Mortgage Finance

FHFA Issues Proposed Rulemaking on GSE Use of Credit Scores But Change Remains Uncertain

After several years of deliberations on how Fannie Mae and Freddie Mac use credit scores, the Federal Housing Finance Agency last week proposed a new rule on how the government-sponsored enterprises would consider new scoring methods.

December 14, 2018 - Inside Nonconforming Markets

News Briefs

The Consumer Financial Protection Bureau proposed new policies this week regarding no-action letters and the establishment of a “product sandbox.” The proposal aims to help financial services companies develop innovative products. Lauren Saunders, associate director of the National Consumer Law Center, was highly critical of the proposal, claiming that it could “wipe out consumer protection laws for entire industries.” She said the proposal is certain to ... [Includes four briefs]

December 13, 2018 - Inside Mortgage Finance

Worries About FHFA Direction Persist, But It May Take A Year Before the Senate Clears Calabria as New Director

The White House this week finally made up its mind on a new regulator for the government-sponsored enterprises, picking conservative economist Mark Calabria to head the Federal Housing Finance Agency. Now comes the hard part: Getting the Senate to hold confirmation hearings and actually approve him.

December 7, 2018 - Inside The GSEs

Conforming Loan Limits Hiked, But Does It Really Matter?

The Federal Housing Finance Agency announced last week that it was increasing the maximum conforming loan limit for 2019. For most counties, the new limit will be 6.9 percent higher at $484,350. The increase, while routine, has both supporters and critics.

December 7, 2018 - Inside MBS & ABS

How to Shrink the GSE Footprint Without Having to Ask Congress to Do Anything

Speculation is rampant that the Trump administration will appoint a new director of the Federal Housing Finance Agency who will begin carving away chunks of the single-family mortgage business that Fannie Mae and Freddie Mac now finance in conservatorship.


Do mortgage lenders really need a new credit-scoring model or is the current FICO system adequate?

It’s fine. Stick with what works.
Time for a change. Borrowers are different today.
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