https://www.insidemortgagefinance.com/rss en-us bivey@imfpubs.com SFA and other trade groups are seeking major changes to the re-proposed bank capital requirements. MBA raised concerns that non-agency MBS would receive more favorable capital treatment than GSE MBS. http://www.insidemortgagefinance.com/articles/237839 Thu, 25 Jun 2026 16:24:43 -0400 https://www.insidemortgagefinance.com/articles/237839-securitization-players-seek-changes-to-capital-proposal dhollier@imfpubs.com Most analysts say that higher inflation means rate cuts are off the table for Fed Chair Kevin Warsh, even though President Trump still says he still wants lower rates. http://www.insidemortgagefinance.com/articles/237837 Thu, 25 Jun 2026 16:19:47 -0400 https://www.insidemortgagefinance.com/articles/237837-assessing-warshs-first-fomc-meeting dhollier@imfpubs.com A property law expert said securitizing real property interests encourages home price inflation. http://www.insidemortgagefinance.com/articles/237830 Thu, 25 Jun 2026 16:12:00 -0400 https://www.insidemortgagefinance.com/articles/237830-the-case-against-mbs dhollier@imfpubs.com Economists note that the pricing of mortgage credit risk depends not only on the quality of the underlying mortgages but also on who ultimately bears that risk. http://www.insidemortgagefinance.com/articles/237776 Thu, 18 Jun 2026 11:03:00 -0400 https://www.insidemortgagefinance.com/articles/237776-mutual-fund-investment-in-crt-reduces-spreads dhollier@imfpubs.com Although President Trump directed the GSEs to purchase an additional $200 billion in agency MBS, they do not appear to be on track to accomplish that by year end. http://www.insidemortgagefinance.com/articles/237663 Thu, 04 Jun 2026 18:06:00 -0400 https://www.insidemortgagefinance.com/articles/237663-gse-mbs-acquisitions-slower-than-expected dhollier@imfpubs.com MBS investors are likely to charge a pay-up for securities backed by mortgages underwritten with VantageScore — at least until they’re confident prepayment speeds won’t accelerate. http://www.insidemortgagefinance.com/articles/237549 Thu, 21 May 2026 16:43:58 -0400 https://www.insidemortgagefinance.com/articles/237549-secondary-market-implications-of-new-credit-scores dhollier@imfpubs.com FICO’s CEO argued that VantageScore isn’t gaining much traction in the MBS and ABS markets, and that the only way the score will take share with GSE mortgages will be if lenders game the system. http://www.insidemortgagefinance.com/articles/237410 Thu, 07 May 2026 17:27:19 -0400 https://www.insidemortgagefinance.com/articles/237410-fico-vs-vantagescore-the-gloves-come-off dhollier@imfpubs.com Policies put in place during the pandemic prevent many small banks and credit unions from selling small-balance loans to the GSEs, which constrains mortgage lending in rural and low-income communities. http://www.insidemortgagefinance.com/articles/237415 Thu, 07 May 2026 16:25:29 -0400 https://www.insidemortgagefinance.com/articles/237415-how-the-gses-can-boost-sbls dhollier@imfpubs.com Even with strong earnings the GSEs are making little progress on meeting stringent capital levels set during the first Trump administration. http://www.insidemortgagefinance.com/articles/237425 Thu, 07 May 2026 16:21:35 -0400 https://www.insidemortgagefinance.com/articles/237425-capital-shortfalls-unaffected-by-gse-profits dhollier@imfpubs.com For MBS investors, the biggest complication in the GSEs’ implementation of VantageScore 4.0 is likely loan-level pricing adjustments. http://www.insidemortgagefinance.com/articles/237332 Thu, 30 Apr 2026 17:50:35 -0400 https://www.insidemortgagefinance.com/articles/237332-vantagescore-impact-on-mbs-market-likely-minimal dhollier@imfpubs.com The Treasury Market Practices Group released a white paper identifying how a change in the ownership structure of Fannie Mae and Freddie Mac could impact the broader financial markets. http://www.insidemortgagefinance.com/articles/237199 Thu, 16 Apr 2026 16:06:51 -0400 https://www.insidemortgagefinance.com/articles/237199-federal-reserve-group-weighs-risks-of-gse-reform dhollier@imfpubs.com Combining machine learning techniques with more traditional accounting is making it possible to predict both whether a loan will prepay and when. http://www.insidemortgagefinance.com/articles/237170 Thu, 16 Apr 2026 16:02:28 -0400 https://www.insidemortgagefinance.com/articles/237170-modeling-prepayment-risk-with-ml dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237167 Thu, 09 Apr 2026 16:01:58 -0400 https://www.insidemortgagefinance.com/articles/237167-miran-touts-balance-sheet-reduction bivey@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237023 Thu, 26 Mar 2026 17:00:13 -0400 https://www.insidemortgagefinance.com/articles/237023-bank-capital-reforms-could-limit-supply-of-mbs dhollier@imfpubs.com One of the GSEs has quietly issued an MBS comprised of loans underwritten using VantageScore 4.0. http://www.insidemortgagefinance.com/articles/237053 Thu, 26 Mar 2026 16:58:18 -0400 https://www.insidemortgagefinance.com/articles/237053-vantagescore-ceo-confirms-mbs-rumor dhollier@imfpubs.com Since the Iran war started, interest rates have returned to where they were when President Trump directed the GSEs to purchase $200 billion in MBS and most analysts say GSE reform is now off the table. http://www.insidemortgagefinance.com/articles/236970 Thu, 19 Mar 2026 17:10:47 -0400 https://www.insidemortgagefinance.com/articles/236970-mbs-analysts-weigh-impact-of-war dhollier@imfpubs.com Since the U.S. initiated strikes on Iran, mortgage rates and MBS spreads have given up all the ground they gained from the Trump administration’s directive for the GSEs to purchase $200 billion in agency MBS. http://www.insidemortgagefinance.com/articles/236922 Thu, 12 Mar 2026 16:41:32 -0400 https://www.insidemortgagefinance.com/articles/236922-mortgage-market-reacts-to-war-with-iran dhollier@imfpubs.com The potential rule change would allow banks to redesignate MBS holdings from held-to-maturity to available-for-sale. http://www.insidemortgagefinance.com/articles/236916 Thu, 12 Mar 2026 16:39:35 -0400 https://www.insidemortgagefinance.com/articles/236916-fasb-to-allow-hedging-of-held-to-maturity-portfolios bivey@imfpubs.com Pending proposals from the Fed would impact MBS market; Moody’s looks to rate securitizations of home equity loans. http://www.insidemortgagefinance.com/articles/236713 Thu, 19 Feb 2026 15:49:56 -0500 https://www.insidemortgagefinance.com/articles/236713-grapevine-fed-plans-mortgage-proposals-moodys-eyes-second-liens dhollier@imfpubs.com FHFA quietly increased the cap on the GSEs’ holdings of agency MBS from $40 billion apiece to $225 billion. That’s the same as the cap on their entire retained mortgage portfolios. http://www.insidemortgagefinance.com/articles/236533 Thu, 29 Jan 2026 16:35:23 -0500 https://www.insidemortgagefinance.com/articles/236533-impact-of-gses-mbs-purchases dhollier@imfpubs.com Columbia University researchers dispute the conventional wisdom that says Fannie Mae and Freddie Mac dramatically overpay CRT investors. http://www.insidemortgagefinance.com/articles/236443 Thu, 22 Jan 2026 15:43:55 -0500 https://www.insidemortgagefinance.com/articles/236443-gses-price-crt-fairly ewilley@imfpubs.com The flexibility is part of an effort by Ginnie Mae to make its digital collateral program more attractive. http://www.insidemortgagefinance.com/articles/236384 Thu, 15 Jan 2026 16:15:25 -0500 https://www.insidemortgagefinance.com/articles/236384-ginnie-to-accept-enotes-in-piit-transfers dhollier@imfpubs.com A mortgage with a prepayment penalty might be as much as 65 basis points cheaper for borrowers, according to GSE shareholder Bill Ackman. http://www.insidemortgagefinance.com/articles/236393 Thu, 15 Jan 2026 16:12:30 -0500 https://www.insidemortgagefinance.com/articles/236393-ackman-proposes-new-type-of-mortgage-for-the-gses bivey@imfpubs.com Federal banking regulators issued a final rule to adjust the enhanced supplementary leverage ratio that applies to large banks. The directive aims to increase bank investments in low-risk assets, including Ginnie Mae MBS. http://www.insidemortgagefinance.com/articles/236083 Thu, 04 Dec 2025 16:32:04 -0500 https://www.insidemortgagefinance.com/articles/236083-capital-change-will-allow-banks-to-add-to-mbs-holdings dhollier@imfpubs.com Bill Ackman’s plan calls for Treasury to forgive its senior preferred shares, a strategy that some industry observers say would be politically risky for President Trump. http://www.insidemortgagefinance.com/articles/236008 Wed, 26 Nov 2025 10:10:32 -0500 https://www.insidemortgagefinance.com/articles/236008-analysts-mull-latest-plan-for-gse-reform dhollier@imfpubs.com Securities industry stakeholders say preservation of the secondary mortgage market, especially MBS futures trading on the TBA market, is essential to keeping mortgage rates low. http://www.insidemortgagefinance.com/articles/235939 Thu, 20 Nov 2025 16:26:44 -0500 https://www.insidemortgagefinance.com/articles/235939-trade-groups-dont-let-gse-reform-distort-tba-market dhollier@imfpubs.com While the Fed is moving away from purchases of agency MBS, portfolio managers at PIMCO believe additional purchases are warranted. In the meantime, the GSEs are increasing their investments. http://www.insidemortgagefinance.com/articles/235805 Thu, 06 Nov 2025 16:06:51 -0500 https://www.insidemortgagefinance.com/articles/235805-the-next-mbs-buyer-of-last-resort dhollier@imfpubs.com Beginning in December, the Federal Reserve will adjust its balance sheet strategy and no longer reinvest proceeds from payoffs of agency MBS into more MBS. http://www.insidemortgagefinance.com/articles/235776 Thu, 30 Oct 2025 16:30:10 -0400 https://www.insidemortgagefinance.com/articles/235776-fed-signals-end-of-qt dhollier@imfpubs.com Neither Fannie nor Freddie issued any green bonds in the third quarter, though social bond issuance has been relatively healthy. http://www.insidemortgagefinance.com/articles/235629 Thu, 16 Oct 2025 17:32:20 -0400 https://www.insidemortgagefinance.com/articles/235629-gses-throttle-green-bond-issuance dhollier@imfpubs.com Key mortgage industry stakeholders say an IPO of GSE stock would have trouble attracting investors if FHFA remains their conservator or they are released without an explicit guarantee. http://www.insidemortgagefinance.com/articles/235142 Thu, 21 Aug 2025 14:39:41 -0400 https://www.insidemortgagefinance.com/articles/235142-more-resistance-to-gse-exit-plans