Banks and thrifts over the next few years can likely expect to see further regulatory incentives for holding unsecuritized mortgage loans – especially high quality collateral – in their investment portfolios. Federal banking regulators late last week approved a tentative rulemaking that would allow the vast majority of small and medium-sized depository institutions to lower the amount of capital they have to hold against residential mortgages in portfolio. The move – an advance notice… [One data table included]