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    <item>
      <title>Kroll Stays Ahead in MBS, Fitch Gains Ground in ABS</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[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.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237022</guid>
      <pubDate>Thu, 26 Mar 2026 17:02:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237022-kroll-stays-ahead-in-mbs-fitch-gains-ground-in-abs</link>
    </item>
    <item>
      <title>VantageScore Move Raises Questions for MBS Investors</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[It may take time for MBS investors to fully understand how use of the new credit score for underwriting loans sold to the GSEs impacts pricing and hedge strategies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234814</guid>
      <pubDate>Thu, 17 Jul 2025 17:45:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234814-vantagescore-move-raises-questions-for-mbs-investors</link>
    </item>
    <item>
      <title>Fitch Leads in Rating 1Q25 ABS, Kroll Tops in RMBS</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[The boom in ABS backed by vehicle and business finance mostly helped the big-three rating services, but Kroll and Morningstar remained major players in rating non-agency MBS. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234636</guid>
      <pubDate>Thu, 26 Jun 2025 17:24:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234636-fitch-leads-in-rating-1q25-abs-kroll-tops-in-rmbs</link>
    </item>
    <item>
      <title>GSE Reform Messaging Prompting Some Exhales</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[In the wake of Trump’s social media posts pledging to retain the implicit guarantee for GSE MBS, industry analysts see signs for support for the administration’s plans for GSE reform.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234448</guid>
      <pubDate>Thu, 05 Jun 2025 16:44:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234448-still-no-consensus-on-trumps-gse-reform-plans</link>
    </item>
    <item>
      <title>Trump Promises Implicit Guarantee for GSE MBS</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[President Trump attempted to mollify concerns about the post-conservatorship guarantee of GSE MBS, but questions remain about the regulatory treatment of those securities and the TBA market.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234412</guid>
      <pubDate>Thu, 29 May 2025 16:08:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234412-market-responds-to-trump-gse-comments</link>
    </item>
    <item>
      <title>Rating the GSEs Post-Conservatorship</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[S&P says the current AA+ rating enjoyed by the GSEs is a function of their government support. Because of their capital shortfalls, both GSEs have a B- standalone credit profile rating.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233964</guid>
      <pubDate>Thu, 10 Apr 2025 16:35:28 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233964-rating-the-gses-post-conservatorship</link>
    </item>
    <item>
      <title>Fitch Still Tops in RMBS, S&amp;P Takes Crown in ABS</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Fitch, Kroll and DBRS continued to dominate the business of rating non-agency MBS in 2024, but S&P and Moody’s remained heavy hitters in rating ABS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233817</guid>
      <pubDate>Thu, 27 Mar 2025 16:56:27 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233817-fitch-still-tops-in-rmbs-s-and-p-takes-crown-in-abs</link>
    </item>
    <item>
      <title>Analysts Doubtful About GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Treasury Secretary Bessent’s cautious remarks about the prospect for GSE reform heighten industry skepticism about the release of Fannie Mae and Freddie Mac from conservatorship.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233423</guid>
      <pubDate>Thu, 13 Feb 2025 16:25:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233423-analysts-doubtful-about-gse-reform</link>
    </item>
    <item>
      <title>Analysts Skeptical of GSEs Leaving Conservatorship</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Obstacles like how to deal with the implicit guarantee and excessively high capital requirements make it unlikely that the GSEs will exit conservatorship under Trump, though the chances are higher than before his election.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233305</guid>
      <pubDate>Thu, 30 Jan 2025 15:30:07 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233305-downgrading-the-gses</link>
    </item>
    <item>
      <title>Uncertainty on Government Guarantee, GSE Ratings</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The debate over how to end the conservatorships of Fannie Mae and Freddie Mac hinges on whether rating services would downgrade the GSEs if they exit without an explicit government guarantee.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233271</guid>
      <pubDate>Thu, 23 Jan 2025 16:08:58 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233271-the-implicit-explicit-guarantee-debate</link>
    </item>
    <item>
      <title>GSE Reform Could Prompt Wider MBS Spreads</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Critics argue that, if Fannie Mae and Freddie Mac are released from conservatorship without an explicit government guarantee, MBS investors will demand wider spreads to cover the added credit risk.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233196</guid>
      <pubDate>Thu, 16 Jan 2025 16:10:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233196-gse-reform-and-mbs-spreads</link>
    </item>
    <item>
      <title>Interplay Between MBS Delinquencies and ABS 
</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Rising mortgage delinquencies increase spreads on residential MBS, as expected, along with spreads on credit card, student loan and auto loan ABS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233041</guid>
      <pubDate>Thu, 02 Jan 2025 14:43:01 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233041-mortgage-delinquencies-and-the-broader-abs-market</link>
    </item>
    <item>
      <title>Momentum Builds for End of GSE Conservatorships</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[More and more industry insiders believe the Trump administration will attempt to release Fannie and Freddie from conservatorship.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232860</guid>
      <pubDate>Thu, 05 Dec 2024 15:53:54 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232860-momentum-builds-for-end-of-conservatorships</link>
    </item>
    <item>
      <title>MBS, ABS Likely to Withstand Recent Hurricanes</title>
      <author>sclark@imfpubs.com</author>
      <description>
        <![CDATA[Residential MBS transactions will likely experience a spike in delinquencies, but performance will return to pre-storm levels within a year, according to Moody’s.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232464</guid>
      <pubDate>Thu, 24 Oct 2024 16:14:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232464-mbs-abs-likely-to-withstand-recent-hurricanes</link>
    </item>
    <item>
      <title>Stable Forecast for Residential MBS; CMBS, Not So Much</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fitch Ratings sees relatively smooth sailing for residential MBS this year while times are tough in the CMBS market, and the worst could be yet to come.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231516</guid>
      <pubDate>Thu, 11 Jul 2024 16:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231516-stable-forecast-for-residential-mbs-cmbs-not-so-much</link>
    </item>
    <item>
      <title>Fed Holds Rates Steady, Plans to Slow Runoff From Balance Sheet</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Fed could start cutting rates in June, according to projections by industry analysts. The Fed is also moving toward slowing the runoff of its holdings of Treasury securities and MBS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230534</guid>
      <pubDate>Thu, 21 Mar 2024 16:19:26 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230534-fed-holds-rates-steady</link>
    </item>
    <item>
      <title>Fitch Ranks First in Both ABS and RMBS Ratings</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Kroll saw a 21.9% increase in non-agency MBS ratings from the third to the fourth quarter, as well as the smallest decline (3.7%) in ABS rating volume. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230210</guid>
      <pubDate>Thu, 15 Feb 2024 15:41:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230210-fitch-ranks-first-in-both-abs-and-rmbs-ratings</link>
    </item>
    <item>
      <title>Freddie’s K-Deals Performing Better Than Non-Agency Loans</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Declining multifamily valuations are pushing up capitalization rates while reducing debt service coverage ratios.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229998</guid>
      <pubDate>Fri, 26 Jan 2024 13:05:42 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229998-k-deals-vs-non-agency-multifamily-cmbs</link>
    </item>
    <item>
      <title>Rare Resecuritization of Freddie K-Deal Issued</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Bank of America issued a resecuritization this week tied to a 2017 multifamily K-deal. It’s the first rated issuance of its kind from BofA since 2016. The new resecuritization received an A- rating.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229968</guid>
      <pubDate>Thu, 25 Jan 2024 16:11:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229968-freddie-markets-rare-k-deal-resecuritization</link>
    </item>
    <item>
      <title>Fitch Leads in MBS Ratings, Closes in on S&amp;P in ABS</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[The red-hot vehicle ABS market saw intense competition between S&P and Fitch for ratings supremacy. Kroll rode the resurgent ECM MBS market to boost its share of rated issuance. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229577</guid>
      <pubDate>Thu, 30 Nov 2023 17:06:47 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229577-fitch-leads-in-mbs-ratings-closes-in-on-s-and-p-in-abs</link>
    </item>
    <item>
      <title>S&amp;P Claims Lead in ABS Ratings, Fitch Tops in RMBS</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Fitch and DBRS weathered the sharp drop in rated non-agency MBS issuance better than their competitors. S&P moved back to the top in ABS ratings at midyear despite losing some ground in the vehicle sector. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228997</guid>
      <pubDate>Thu, 28 Sep 2023 16:00:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228997-s-and-p-claims-lead-in-abs-ratings-fitch-tops-in-rmbs</link>
    </item>
    <item>
      <title>SEC Informs DBRS of Recordkeeping Violations</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[DBRS said it’s in talks with the SEC to resolve a potential enforcement action related to its compliance with recordkeeping requirements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228553</guid>
      <pubDate>Thu, 10 Aug 2023 17:00:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228553-dbrs-morningstar-to-settle-recordkeeping-violations-with-sec</link>
    </item>
    <item>
      <title>Fitch Ranks as Top Rating Service in Both MBS &amp; ABS</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Fitch rode the market’s hottest sectors in the first quarter: vehicle-backed ABS and expanded-credit MBS. S&P slipped to second in ABS ratings and fourth in residential MBS. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228183</guid>
      <pubDate>Thu, 29 Jun 2023 15:09:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228183-fitch-ranks-as-top-rating-service-in-both-mbs-and-abs</link>
    </item>
    <item>
      <title>Mixed Outlook for MBS and ABS Amid Inflation</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[The cocktail of recessionary risk and inflation is putting pressure on the performance of MBS and ABS. Some sectors will perform better than others.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225862</guid>
      <pubDate>Thu, 06 Oct 2022 17:45:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225862-ratings-services-analyze-scenarios-for-rmbs-cmbs-clos-aircraft-abs</link>
    </item>
    <item>
      <title>Kroll Clings to Lead in MBS Ratings, S&amp;P Ups ABS Share</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[S&P, Moody's and Fitch continued as the top rating services in non-agency MBS and ABS at the midway point in 2022, though Kroll held onto the lead in the RMBS market. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225727</guid>
      <pubDate>Thu, 22 Sep 2022 17:15:35 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225727-kroll-clings-to-lead-in-mbs-ratings-s-and-p-ups-abs-share</link>
    </item>
    <item>
      <title>Study Finds MBS Rating Inflation Related to Competition</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[A study by the European Central Bank found evidence that rating services respond to their competitive environments by either inflating ratings or altering the strictness of their rating standards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/225305</guid>
      <pubDate>Thu, 04 Aug 2022 17:40:47 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/225305-study-finds-rmbs-rating-inflation-related-to-competition</link>
    </item>
    <item>
      <title>MBS, ABS Rarely Positively Affected by ESG, Fitch Says</title>
      <author>smanas@imfpubs.com</author>
      <description>
        <![CDATA[Only 4% of MBS and ABS assessed by Fitch received a positive rating impact from ESG factors. Meanwhile, S&P is set to expand its assessments in the ESG space.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224226</guid>
      <pubDate>Thu, 07 Apr 2022 16:38:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224226-mbs-abs-rarely-affected-by-esg-fitch-says</link>
    </item>
    <item>
      <title>S&amp;P #1 in 2021 ABS Ratings, Moody's Takes RMBS Title</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[S&P actually lost some market share in rating ABS issued in 2021 but remained well ahead of the competition. Moody's usurped DBRS as the top rating service in the non-agency MBS world. (Includes two data charts.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/224134</guid>
      <pubDate>Thu, 24 Mar 2022 16:40:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/224134-sp-1-in-2021-abs-ratings-moodys-takes-rmbs-title</link>
    </item>
    <item>
      <title>Grapevine: SFVegas Postponed; Commercial MBS Delinquencies Up</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[SFVegas pushed back to July; commercial MBS delinquencies rise for first time in more than a year; Fannie obtains ratings for older CRTs; Verizon to issue more ABS tied to cellphone payment plans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223557</guid>
      <pubDate>Thu, 20 Jan 2022 16:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223557-grapevine-commercial-mbs-delinquencies-up-new-ratings-for-older-crt</link>
    </item>
    <item>
      <title>Fitch Affirms Cenlar’s RMBS Servicer Rating. Case Closed?</title>
      <author>pmuolo@imfpubs.com</author>
      <description>
        <![CDATA[Some of Cenlar’s subservicing clients are eyeing a switch. But when it comes to securities holders whose assets are being serviced by the vendor, so far, there isn’t much to worry about.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/223513</guid>
      <pubDate>Thu, 13 Jan 2022 16:11:39 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/223513-fitch-affirms-cenlars-rmbs-servicer-rating-case-closed</link>
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