Uncertainty caused by regulations and the complexity of calculating income and debt make DTI a poor metric to use in pricing a loan without the risk of lenders having to eat a new fee.

The heads of quality control at Fannie Mae and Freddie Mac describe the causes and treatment of defects. The percentage of repurchases has remained stable at Fannie, but is elevated at Freddie.

NCLC attorneys claim the bulk sale of seasoned loans allows buyers to circumvent the GSEs’ loss-mitigation programs. That adds up to more borrowers unable to stay in their home.

Despite FHFA’s decision to require that lenders provide both a VantageScore 4.0 and a FICO 10T credit score, it may be years before the market can implement the new scores.

OIG says the agency’s procedures for disposing of old hard drives and other electronic media still need work to make sure confidential data doesn’t get into the wrong hands.

The new pricing matrices for Fannie and Freddie may create modest net increases in the cost of a mortgage, but FHFA says that will support more lending for low-income borrowers.

Industry protests convinced FHFA to reverse course and almost eliminate the fee Fannie and Freddie charge to guarantee one another’s securities.

Former MBA President David Stevens believes the idea that the GSEs should assess the MSR valuations of their seller/servicers may have come from Fannie and Freddie themselves.

Because the ERCF dictates that Fannie and Freddie base their underwriting on FICO scores, loans to borrowers with positive rent payment history are still subject to capital charges for less creditworthy homebuyers.

Residential MBS investors say that, rather than publish a social index for their MBS, the GSEs should just disclose the data that goes into making that index.