A recent congressional inquiry has put the spotlight on the fees that Fannie Mae and Freddie Mac charge lenders to securitize their mortgage pools, but even GSE critics are not certain that regulators will be able to force the companies to change their policies. “I’m not sure what [the Office of Federal Housing Enterprise Oversight] can do about it,” said Bert Ely, a consultant and longstanding advocate of GSE reform. “Fannie and Freddie have pricing latitude.