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    <item>
      <title>Fraud on GSE Mortgages Limited, Evolving</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Officials at Fannie and Freddie say mortgage fraud remains rare but is growing more sophisticated.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237099</guid>
      <pubDate>Fri, 03 Apr 2026 11:57:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237099-gses-talk-fraud</link>
    </item>
    <item>
      <title>No GSE Policy Changes Yet on Crypto Assets </title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs have yet to change their guidelines related to borrowers’ holdings of cryptocurrency.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237114</guid>
      <pubDate>Fri, 03 Apr 2026 11:56:32 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237114-did-fannie-dip-a-toe-in-the-crypto-pool</link>
    </item>
    <item>
      <title>Fannie Loosens QC Requirements for Lenders</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie recently overhauled its quality control requirements, while Freddie made minor changes to underwriting rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237110</guid>
      <pubDate>Fri, 03 Apr 2026 11:55:34 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237110-gses-announce-guide-updates</link>
    </item>
    <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>Former Freddie CEO Touts Capital Plan for GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Don Layton said the recent executive order promoting better access to mortgage credit should be the stepping off point for a revamping of the GSEs’ overly conservative capital requirements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237089</guid>
      <pubDate>Fri, 03 Apr 2026 11:53:37 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237089-former-freddie-ceo-touts-new-capital-plan-for-gses</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[GSEs delay UCD timeline; updates on Pulte’s legal battles with Trump opponents; Fed’s MBS holdings continue to dwindle; Opendoor to partner with Fannie’s Title Acceptance Program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237111</guid>
      <pubDate>Fri, 03 Apr 2026 11:51:43 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237111-gse-roundup</link>
    </item>
    <item>
      <title>No End in Sight for GSE Conservatorship</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Analysts are increasingly skeptical that the Trump administration will follow through on plans to recapitalize and release the GSEs. Some seek broader reform.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237007</guid>
      <pubDate>Fri, 20 Mar 2026 14:24:10 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237007-no-end-in-sight-for-conservatorship</link>
    </item>
    <item>
      <title>Trump Executive Order Targets FHLBanks</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[New directives would improve collateral transfers between FHLBank members and the Federal Reserve and improve access to longer-term advances.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236985</guid>
      <pubDate>Fri, 20 Mar 2026 14:20:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236985-trump-eo-targets-fhlbanks</link>
    </item>
    <item>
      <title>Trump Housing Policy Announced Via EO</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Although neither housing EO released last week by President Trump mentions them by name, it’s clear Fannie Mae and Freddie Mac will have a hand in implementing the proposed policy changes.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236992</guid>
      <pubDate>Fri, 20 Mar 2026 14:18:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236992-trump-housing-policy-announced-via-eo</link>
    </item>
    <item>
      <title>Fannie Answers Borrower Income-Related Questions</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[In today’s gig economy, sometimes the hardest job for a lender is figuring out how to calculate a borrower’s income.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236999</guid>
      <pubDate>Fri, 20 Mar 2026 14:16:15 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236999-fannie-answers-income-questions</link>
    </item>
    <item>
      <title>GSEs Ease Condo Rules for Property Insurance</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA greenlights the use of actual cash value insurance to cover the roofs of condos; all other elements of the project will still require replacement value policies, though.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236998</guid>
      <pubDate>Fri, 20 Mar 2026 14:15:17 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236998-gses-ease-condo-rules</link>
    </item>
    <item>
      <title>FHFA Tightens Payment Process for Legal Services</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[An OIG audit of legal services payments at FHFA found that the agency spent $15.6 million on outside counsel over the 12 months ending March 2025. FHFA will follow recommendations from the OIG to improve practices involving legal services.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236857</guid>
      <pubDate>Fri, 06 Mar 2026 14:51:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236857-fhfa-tightens-payment-process-for-legal-services</link>
    </item>
    <item>
      <title>GSEs Issue Guidance Amid DHS Funding Lapse</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae and Freddie Mac assured lenders that mortgages will not become ineligible for delivery solely because of the shutdown, temporarily relaxing employment verification and available reserve requirements for impacted borrowers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236865</guid>
      <pubDate>Fri, 06 Mar 2026 14:49:26 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236865-gses-issue-shutdown-guidance</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>Modeling the Future of VantageScore 4.0</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[New research — commissioned and funded by VantageScore — attempts to estimate the cost savings created by future competition between VantageScore and FICO.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236828</guid>
      <pubDate>Fri, 06 Mar 2026 14:47:29 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236828-modeling-the-future-of-vantagescore-40</link>
    </item>
    <item>
      <title>Fannie Updates Income Assessment Policies</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The income assessment portion of Fannie’s Selling Guide has been significantly restructured, moving and rephrasing many sections, changing some policies and introducing new ones.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236874</guid>
      <pubDate>Fri, 06 Mar 2026 14:46:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236874-fannie-updates-income-assessment-policies</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>FHFA Eliminates Key Fair Lending/Fair Housing Rule</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Housing Finance Agency said other agencies are already responsible for enforcing fair lending and fair housing laws. However, critics argued that the administration has been steadily eviscerating the enforcement arms of those agencies as well.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236715</guid>
      <pubDate>Fri, 20 Feb 2026 14:48:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236715-fhfa-eliminates-key-fair-lending-fair-housing-rule</link>
    </item>
    <item>
      <title>FHFA to Improve Nonbank Supervision on GAO Nudge</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Government Accountability Office said FHFA can’t accurately gauge the accuracy of the data it uses to monitor nonbanks and overlooks key risks associated with warehouse lending. FHFA agreed to address the issues.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236733</guid>
      <pubDate>Fri, 20 Feb 2026 14:47:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236733-gao-non-bank-mortgage-companies-need-closer-fhfa-supervision</link>
    </item>
    <item>
      <title>Study Finds GSE-Backed Investor Loans Crowd Out FTHBs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[AEI researchers said large institutional investors own about 1% of single-family homes vs. 11% for small-scale investors with low interest rate GSE-backed loans.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236723</guid>
      <pubDate>Fri, 20 Feb 2026 14:45:50 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236723-do-gse-backed-investor-loans-crowd-out-fthbs</link>
    </item>
    <item>
      <title>Freddie Enhances Construction-to-Permanent Loan Option</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The enterprise expanded eligibility for one-time-close loan options and aligned disaster-related forbearance terms with Fannie Mae.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236742</guid>
      <pubDate>Fri, 20 Feb 2026 14:44:52 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236742-freddie-enhances-construction-to-permanent-loan-option</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Executive salary change at Freddie; FHLB membership for community lenders in Puerto Rico; FHFA re-elects GSE boards.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236748</guid>
      <pubDate>Fri, 20 Feb 2026 14:40:54 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236748-gse-roundup</link>
    </item>
    <item>
      <title>Records Released Under FOIA Add to Tri-Merge Debate</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FOIA documents reveal that in 2022 Fannie and Freddie business assessments determined that a single-bureau credit report would be inferior to either a tri-merge or a bi-merge.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236596</guid>
      <pubDate>Fri, 06 Feb 2026 14:52:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236596-keeping-track-of-the-tri-merge</link>
    </item>
    <item>
      <title>The Unintended Consequences of Buying $200 Billion in MBS</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The GSEs were already quietly adding MBS to their portfolios before Trump directed them to purchase $200 billion more. Investors may now be paying a price for that intervention.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236618</guid>
      <pubDate>Fri, 06 Feb 2026 14:50:32 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236618-the-unintended-consequences-of-buying-200-billion-in-mbs</link>
    </item>
    <item>
      <title>GSE Stocks Sag as Talk of Exit From Conservatorship Wanes</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The same braggadocio that drove GSE stocks higher early in the Trump administration now seems to be holding prices down.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236602</guid>
      <pubDate>Fri, 06 Feb 2026 14:48:36 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236602-gse-stocks-sag-as-talk-of-exit-wanes</link>
    </item>
    <item>
      <title>FHFA Directs GSEs to Align Manufactured Home Programs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Newly coordinated standards at the GSEs make it easier for certain factory-built homes to receive site-built financing.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236603</guid>
      <pubDate>Fri, 06 Feb 2026 14:47:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236603-fhfa-directs-gses-to-align-manufactured-home-programs</link>
    </item>
    <item>
      <title>GAO Gives FHFA a Clean Bill of Health</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The regulator’s financial statements followed GAAP accounting, but the analysis also revealed $32.9 million in costs associated with elimination of 216 employees.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236608</guid>
      <pubDate>Fri, 06 Feb 2026 14:45:43 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236608-gao-gives-fhfa-a-clean-bill-of-health</link>
    </item>
    <item>
      <title>Freddie Extends Popular Home Possible Offering</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Very-low-income homebuyers have another year to take advantage of the $2,500 credit available through the Home Possible mortgage program.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236619</guid>
      <pubDate>Fri, 06 Feb 2026 14:44:45 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236619-freddie-extends-popular-home-possible-offering</link>
    </item>
    <item>
      <title>GSE Reform Plans Uncertain Following $200B MBS Push</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Some critics argue that forcing Fannie Mae and Freddie Mac to intervene in the mortgage-backed securities market may indicate their recapitalization and release from conservatorship is now on hold.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236455</guid>
      <pubDate>Fri, 23 Jan 2026 15:58:44 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236455-the-unintended-consequences-of-the-gses-purchasing-200-billion-mbs</link>
    </item>
    <item>
      <title>Trade Groups Offer Home Affordability Proposals Via GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[With the administration considering ways to address affordability, industry trade groups suggested adjusting policies at the GSEs. There’s also debate between MBA and CHLA on credit scoring practices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236473</guid>
      <pubDate>Fri, 23 Jan 2026 15:56:46 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236473-trade-groups-debate-ending-the-tri-merge</link>
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