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    <title>Legislation</title>
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    <item>
      <title>Conservatives Believe Major GSE Reforms Are Unlikely</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Conservative critics of the housing-finance system say preserving the status quo is more likely than a release from conservatorship or a government monopoly.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237086</guid>
      <pubDate>Fri, 03 Apr 2026 11:54:36 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237086-conservatives-predict-the-future-of-the-gses</link>
    </item>
    <item>
      <title>Bill Aims to Restore FHLBank Municipal Bond Activity</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[By allowing the FHLBanks to once again provide credit enhancement for tax-exempt bonds, the bill’s sponsors hope it will reduce financing costs for community development in smaller municipalities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236848</guid>
      <pubDate>Fri, 06 Mar 2026 14:48:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236848-bill-would-expand-community-infrastructure-support-from-fhlbanks</link>
    </item>
    <item>
      <title>Rep. Hill Unimpressed by Trump’s GSE ‘IPO’ Plan</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The White House may face some opposition from its own party if it moves toward major GSE reform without Congress.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236712</guid>
      <pubDate>Fri, 20 Feb 2026 14:50:41 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236712-key-house-republican-challenges-trumps-gse-plans</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie Mac taps a new CEO; Waters lashes out at Pulte; DOJ denies investigation into the FHFA director.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236228</guid>
      <pubDate>Fri, 19 Dec 2025 12:56:25 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236228-gse-roundup</link>
    </item>
    <item>
      <title>GSE Reform Gets a Skeptical Reception</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Industry observers note that, despite its bold pronouncements about a public offering for the GSEs, the Trump administration still has not addressed the key issues that make this a risky proposition.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236072</guid>
      <pubDate>Fri, 05 Dec 2025 13:35:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236072-gse-reform-gets-a-skeptical-reception</link>
    </item>
    <item>
      <title>Senate Considers GSE Securitization of AD&amp;C Loans</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Legislation could prompt a study by the GAO to see if a secondary market for securitizations of acquisition, development and construction loans would help increase the supply of new-built homes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236092</guid>
      <pubDate>Fri, 05 Dec 2025 13:34:23 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236092-senate-considers-gse-securitization-of-ad-and-c-loans</link>
    </item>
    <item>
      <title>GAO Urges FHFA to Provide GSEs More Fair Housing Guidance</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA Director Bill Pulte’s decision to rescind or amend existing agency guidance on fair lending and fair housing requirements has muddled the compliance requirements for Fannie and Freddie.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236088</guid>
      <pubDate>Fri, 05 Dec 2025 13:32:29 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236088-gao-fhfa-should-provide-gses-more-guidance-on-fair-housing-policy</link>
    </item>
    <item>
      <title>Ackman Taps the Brakes on GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Pershing Square founder Bill Ackman, who earlier this year pitched a swift end to the conservatorship, now says it could take as long as three years. He also has some near-term suggestions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235962</guid>
      <pubDate>Fri, 21 Nov 2025 15:12:05 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235962-ackman-taps-the-brakes-on-gse-reform</link>
    </item>
    <item>
      <title>Housing Finance World Debates Housing Goals</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA’s bid to reduce the GSEs’ low- and very-low-income benchmarks was praised by some lender groups, but disparaged by affordable housing advocates.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235828</guid>
      <pubDate>Fri, 07 Nov 2025 13:58:18 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235828-housing-finance-world-debates-new-housing-goals</link>
    </item>
    <item>
      <title>GSEs Faulted for Variations in Share Across Markets</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[According to an analysis by a former FHFA economist, GSE market share ranges from 14.5% in Eagle Pass, TX, to 67.0% in Boulder, CO. Except for Puerto Rico, these disparities are widest in the South and Southwest.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235849</guid>
      <pubDate>Fri, 07 Nov 2025 13:54:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235849-uneven-access-to-the-gses</link>
    </item>
    <item>
      <title>Pulte Puts GSEs’ Valuation at $1 Trillion</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Trump administration hinted a GSE stock sale might resemble its recent Intel deal, potentially seeding a national sovereign wealth fund.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235174</guid>
      <pubDate>Fri, 29 Aug 2025 11:44:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235174-pulte-puts-gses-valuation-at-1-trillion</link>
    </item>
    <item>
      <title>More Uncertainty About Future of GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Industry insiders worry that mixed signals from the Trump administration makes complex decisions, like ending the conservatorship, more difficult.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235095</guid>
      <pubDate>Fri, 15 Aug 2025 13:10:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235095-more-uncertainty-about-future-of-gses</link>
    </item>
    <item>
      <title>FHFA Proposes Repeal of Fair Lending Rules</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A proposed rule change could spell the end of FHFA regulations requiring the GSEs to file triennial equitable housing finance plans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234965</guid>
      <pubDate>Fri, 01 Aug 2025 15:11:42 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234965-fhfa-proposes-repeal-of-fair-lending-rules</link>
    </item>
    <item>
      <title>Advocates Look to Link GSE Reform, Affordable Housing</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Republicans may hope to use any windfall the government gets from selling its stake in the GSEs to offset revenue cuts in their “Big Beautiful Bill,” but housing advocates have other ideas.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234591</guid>
      <pubDate>Fri, 20 Jun 2025 15:12:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234591-gse-reform-and-affordable-housing</link>
    </item>
    <item>
      <title>Schism Over Impact of GSEs’ Release From Conservatorship</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Housing finance stakeholders continue to debate whether the Trump administration can safely release Fannie and Freddie from conservatorship.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234459</guid>
      <pubDate>Fri, 06 Jun 2025 14:35:40 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234459-schism-over-impact-of-gses-release-from-conservatorship</link>
    </item>
    <item>
      <title>Trump Says He Might End Conservatorship; Now What?</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[President Trump said he’s seriously considering letting Fannie Mae and Freddie Mac go public. Industry participants are now waiting for specific details.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234344</guid>
      <pubDate>Fri, 23 May 2025 15:35:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234344-trump-says-he-might-end-conservatorship-now-what</link>
    </item>
    <item>
      <title>What’s Blocking Recap and Release of the GSEs?</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Critics say capital is not necessarily the main impediment to ending the conservatorship. A bigger problem is the lack of planning on what the GSEs should look like after they exit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234210</guid>
      <pubDate>Fri, 09 May 2025 15:51:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234210-whats-blocking-recap-and-release-of-the-gses</link>
    </item>
    <item>
      <title>Bill Ackman Details Quick Way to End GSEs’ Conservatorship</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Like most GSE reform plans, the hedge funder’s plan to privatize Fannie and Freddie starts with Treasury writing down its senior preferred shares and FHFA sharply reducing the capital requirements for the GSEs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234090</guid>
      <pubDate>Fri, 25 Apr 2025 14:44:33 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234090-two-timelines-for-gse-reform</link>
    </item>
    <item>
      <title>Smaller Lenders See Risks and Rewards in GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Smaller shops may support an end to the GSE conservatorships, but only if it’s done in a way that preserves pricing parity, avoids additional charters and maintains the cash window.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233978</guid>
      <pubDate>Fri, 11 Apr 2025 15:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233978-smaller-lenders-see-risks-and-rewards-in-gse-reform</link>
    </item>
    <item>
      <title>REITs Skeptical About GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Executives from Annaly and Two Harbors worry that ending the conservatorships of the GSEs could fundamentally change the buyer base for their mortgage-backed securities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233717</guid>
      <pubDate>Fri, 14 Mar 2025 15:46:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233717-reits-skeptical-about-gse-reform</link>
    </item>
    <item>
      <title>Administrative GSE Reform or the Status Quo</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Would exiting conservatorship expose Fannie and Freddie to more or less risk from political meddling?]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233577</guid>
      <pubDate>Fri, 28 Feb 2025 14:40:56 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233577-administrative-gse-reform-or-the-status-quo</link>
    </item>
    <item>
      <title>Experts Urge Caution on GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Rejiggering the Rube Goldberg machine of housing finance will require careful thought and timing. Unless Trump does it with an executive order.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233475</guid>
      <pubDate>Fri, 14 Feb 2025 16:07:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233475-experts-urge-caution-on-gse-reform</link>
    </item>
    <item>
      <title>GSEs Yield to Trump’s Anti-DEI Directive</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA removed reference to DEI on the GSE scorecard. Are SPCPs next on the chopping block?]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233445</guid>
      <pubDate>Fri, 14 Feb 2025 16:05:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233445-gses-yield-to-anti-dei-directive</link>
    </item>
    <item>
      <title>Bessent Provides Limited Insight on Plans for GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Responding to written questions from the Senate Banking Committee, Trump’s new Treasury secretary gave the mortgage industry limited insight into his views on GSE reform.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233320</guid>
      <pubDate>Fri, 31 Jan 2025 15:50:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233320-bessent-and-the-conservatorships</link>
    </item>
    <item>
      <title>GSE Reform Efforts Face Practical Obstacles</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[While the Trump administration wants to end the conservatorship of Fannie Mae and Freddie Mac, there are numerous roadblocks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233328</guid>
      <pubDate>Fri, 31 Jan 2025 15:29:11 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233328-the-latest-gse-reform-debate</link>
    </item>
    <item>
      <title>Former GSE Execs Handicap GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Hugh Frater and Don Layton speculate on the likelihood a second Trump administration can get Fannie Mae and Freddie Mac out of conservatorship.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233202</guid>
      <pubDate>Fri, 17 Jan 2025 16:09:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233202-former-gse-execs-handicap-gse-reform</link>
    </item>
    <item>
      <title>Treasury, FHFA Make Modest Revisions to GSE PSPAs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Treasury and FHFA agreed on some guidelines for how the process of getting the GSEs out of conservatorship will work. But they didn’t set that process in motion.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233092</guid>
      <pubDate>Fri, 03 Jan 2025 13:59:09 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233092-treasury-and-fhfa-take-a-very-modest-step-toward-ending-the-conservatorship</link>
    </item>
    <item>
      <title>Calabria Has Some Recommendations for Congress</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Even if lawmakers can’t agree on how or whether to release the GSEs from conservatorship, there are incremental steps they can take, according to former FHFA Director Mark Calabria.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233079</guid>
      <pubDate>Fri, 03 Jan 2025 13:58:10 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233079-former-fhfa-director-has-some-recommendations-for-congress</link>
    </item>
    <item>
      <title>CBO Explores Budgetary Impact of Enterprises</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Researchers estimate that extending the TCCA fee for two years and reducing the size of conforming loan limits would reduce the federal deficit by nearly $15 billion over 10 years.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233099</guid>
      <pubDate>Fri, 03 Jan 2025 13:54:19 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233099-cbo-explores-budgetary-impact-of-enterprises</link>
    </item>
    <item>
      <title>Debate Continues Over GSE Reform</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Some industry groups are calling for a legislative solution to ending the conservatorships; others say FHFA and Treasury can do it themselves.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232926</guid>
      <pubDate>Fri, 13 Dec 2024 15:00:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232926-debate-continues-over-gse-reform</link>
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