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      <title>Credit Card Rate Cap Would Negatively Impact ABS Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Rating services caution that President Trump’s proposed one-year credit card rate cap would negatively impact card issuers and ABS issuance.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/236413</guid>
      <pubDate>Thu, 15 Jan 2026 16:11:31 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236413-credit-card-rate-cap-would-negatively-impact-abs-market</link>
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    <item>
      <title>States See Securitization as a Way to Reduce Utility Costs</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[California and Massachusetts are the latest states to consider securitization as a way to reduce consumer energy bills.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/235512</guid>
      <pubDate>Thu, 02 Oct 2025 16:42:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235512-states-eye-securitization-to-lower-utility-costs</link>
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      <title>ABS Market Largely Comfortable With SEC Conflicts Rule</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The rule, implemented in June, aims to prevent conflicts of interest in the ABS market. The SEC provided no-action relief in May, helping ease compliance with the rule.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235141</guid>
      <pubDate>Thu, 21 Aug 2025 14:35:50 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235141-abs-market-largely-comfortable-with-sec-conflicts-rule</link>
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      <title>ABS Market Sees Regulatory Reform Opportunities</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Trump administration is likely to take actions that will reduce regulation for the MBS and ABS markets. Industry participants are working to shape the actions while also staying nimble.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/233624</guid>
      <pubDate>Thu, 06 Mar 2025 16:08:57 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233624-abs-market-sees-regulatory-reform-opportunities</link>
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      <title>DOE Reform Could Lead to Larger Private Student Loan Market</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Threats of the potential closure of the Department of Education could massively expand private student loan ABS issuance.]]>
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      <guid>http://www.insidemortgagefinance.com/articles/233641</guid>
      <pubDate>Thu, 06 Mar 2025 16:01:14 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233641-doe-reform-could-lead-to-larger-private-student-loan-market</link>
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    <item>
      <title>Some Risks as ABS Issuers Use AI for Underwriting</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[As AI becomes ubiquitous in both the origination and securitization of loans, the U.S. regulatory framework is likely to evolve closer to the stricter rules used in the European Union.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231278</guid>
      <pubDate>Thu, 13 Jun 2024 17:17:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231278-prospects-for-ai-in-structured-finance</link>
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      <title>CFPB Late Fee Ruling May Impact Credit Card ABS Performance</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[The new credit card late fee rule could increase charge-offs and lead to tighter credit card underwriting standards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230394</guid>
      <pubDate>Thu, 07 Mar 2024 16:47:57 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230394-cfpb-late-fee-ruling-may-impact-credit-card-abs-performance</link>
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    <item>
      <title>Affordability Driving Some Subprime Out of Auto ABS</title>
      <author>jdohnert@imfpubs.com</author>
      <description>
        <![CDATA[Higher vehicle prices and inflation are reducing auto lending to subprime borrowers and lifting the prime sector’s share of ABS issuance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230335</guid>
      <pubDate>Thu, 29 Feb 2024 15:42:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230335-affordability-challenges-leading-to-more-prime-borrowers-in-auto-abs</link>
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      <title>Grapevine: Congress Moving Toward LIBOR Fix for MBS and ABS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Congress is getting closer to passing legislation that would help legacy MBS and ABS transition away from LIBOR; there’s a securitization angle in Zillow’s move to discontinue its fix-and-flip business.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/222898</guid>
      <pubDate>Thu, 04 Nov 2021 16:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222898-grapevine-congress-moving-toward-libor-fix-for-mbs-and-abs-zillows-securitizations</link>
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      <title>Rating Services Come Under Congressional Scrutiny</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[During a Capitol Hill hearing, House Democrats focused on credit rating shortcomings that allowed for the subprime crisis of 2007-2008 and inadequate reforms that followed. ]]>
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      <guid>http://www.insidemortgagefinance.com/articles/222015</guid>
      <pubDate>Thu, 29 Jul 2021 15:04:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/222015-shadow-of-2008-remains-as-rating-services-face-scrutiny</link>
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      <title>House Democrats Push for Reforms of Credit Rating Practices</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[One of the five draft bills proposed by the House Democrats this week seeks to establish a board that would be responsible for assigning rating services to provide grades on MBS and ABS.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/221963</guid>
      <pubDate>Thu, 22 Jul 2021 14:28:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/221963-house-democrats-push-for-reforms-of-credit-rating-practices</link>
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      <title>Powell Says Legislation Necessary to Help with LIBOR Transition</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[The Structured Finance Association is working with members of Congress on a potential bill to help facilitate the transition away from the scandal-scarred LIBOR.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/220699</guid>
      <pubDate>Thu, 04 Mar 2021 16:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/220699-feds-powell-sees-federal-legislation-as-necessary-to-help-with-libor-transition</link>
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      <title>Reforms Suggested to Attract Investors to Non-Agency MBS</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[A longer statute of limitation and increased disclosure requirements could help attract long-term investors in the MBS and ABS market, industry experts recommend.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/217402</guid>
      <pubDate>Thu, 12 Mar 2020 13:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/217402-investor-friendly-reforms-suggested-for-non-agency-mbs-and-abs</link>
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    <item>
      <title>Lawmakers Differ on the Madden Fix Proposed by FDIC, OCC</title>
      <author>news@imfpubs.com</author>
      <description>
        <![CDATA[There is a stark difference between Democrats and Republicans when it comes to the proposals to codify the valid-when-made doctrine. ]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/217089</guid>
      <pubDate>Thu, 06 Feb 2020 13:00:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/217089-lawmakers-diverge-on-agencies-madden-fix-proposals</link>
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