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Inside The GSEs

November 12, 2021

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GSE Cash Purchases Give Way to Different Strategies

Freddie has seen a big shift in how lenders sell loans, with the share of cash sales dropping sharply in 2021 while swaps have gained favor. The same thing happened at Fannie, though not as dramatically. (Includes two data charts.) Read More

Early Comments on the Changes to GSE Capital Rule

Critics say the amendments correct some of the flaws in the rule finalized last December, but it’s still far too conservative when compared to historic losses at the GSEs. Read More

FHFA Recalculates the Cost of Forbearance for the GSEs

An OIG report finds the GSEs’ expected cost from pandemic-related forbearances has climbed about 30% in the past year. Read More

Infrastructure Bill Revives 10-Basis-Point G-Fee Surcharge

The fee, passed a decade ago to help pay for a temporary payroll tax cut, expired Oct. 1. Democrats resurrected it for another decade to help pay for infrastructure priorities. Read More

Freddie to Expand Research on Appraisal Bias

Roughly half of appraisers who work in both white and minority neighborhoods appear to systematically undervalue homes in predominately minority census tracts. Read More

Fannie Resurrects CIRT Program

The Federal Housing Finance Agency’s proposed amendments to the capital rule bring the mortgage giant back to the CRT table. Read More

Freddie Allows Rent Payment to Count in Underwriting

A partnership with fintech Esusu Finance will allow landlords to automatically forward positive rental payment history to the major credit reporting bureaus. Read More

Fed to Reduce Purchases of Agency Securities

The Fed’s stimulus spending, which began in March 2020, is set to end by mid-summer. Read More

FHFA Fills Positions in Research and Legal Areas

Dan Coates, senior advisor to Acting Director Sandra Thompson, will take over as head of the Division of Research and Statistics. Read More

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