Originator collateral misrepresentation and servicer reporting fraud also received a notable portion of votes for the most concerning schemes in a new survey from the Structured Finance Association.
The initial rate of prepayments in Ginnie Mae custom buydown pools is slower than the prepayment activity in multiple-issuer pools, which could help investors guard their portfolios.
A recent paper co-authored by Federal Reserve Governor Stephan Miran identifies several policy changes that would allow the Fed’s SOMA to be reduced by up to $2.13 trillion.
S&P was the top ABS rating service in the fourth quarter and finished narrowly behind Fitch for all of 2025. Kroll held the top spot in MBS ratings for the year despite a strong challenge from Fitch. (Includes two data tables.)
The revised proposals would reduce capital requirements for banks, both for MBS holdings and whole loans in portfolio. The change would provide incentives for banks to retain more originations in portfolio.