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    <title>Fannie Mae</title>
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      <![CDATA[Description+goes+here]]>
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    <item>
      <title>FICO, VantageScore Continue Battle</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A new Milliman study finds that FICO 10T is more predictive of default risk across the full range of credit scores. VantageScore said the study is full of “statistical swindles.”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237595</guid>
      <pubDate>Fri, 29 May 2026 12:12:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237595-score-war-vs4-vs-10t</link>
    </item>
    <item>
      <title>New Takes on GSE Reform Even as Efforts Stalled</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Some economists suggest Fannie and Freddie should accept mortgages that include a modest prepayment penalty as a way to keep residential mortgage rates lower. But that would be a political challenge.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237597</guid>
      <pubDate>Fri, 29 May 2026 12:10:08 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237597-new-perspectives-on-gse-reform</link>
    </item>
    <item>
      <title>Rate Offers Title Insurance Alternative for GSE Refis</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Chicago-based fintech said its new title insurance waiver program could accelerate the mortgage process and potentially save qualified refinance borrowers as much as $2,500 in closing costs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237604</guid>
      <pubDate>Fri, 29 May 2026 12:07:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237604-rate-announces-title-insurance-alternative-for-gse-refis</link>
    </item>
    <item>
      <title>GSEs Seeing Capital Relief from CRT Activity</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Milliman researchers calculate that the capital benefit Fannie Mae and Freddie Mac receive for their CRT activity reduces their capital requirement by about 20%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237614</guid>
      <pubDate>Fri, 29 May 2026 12:01:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237614-what-mbs-disclosures-tell-us-about-gse-capital</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[First RPL sale of the year; goodbye Barney Frank; AMI changes for 2026.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237616</guid>
      <pubDate>Fri, 29 May 2026 12:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237616-gse-roundup</link>
    </item>
    <item>
      <title>Rocket Mortgage Begins Using VantageScore 4.0</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[A senior executive at the mortgage giant provides a rare glimpse into the how the new credit score impacts lender operations.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237609</guid>
      <pubDate>Fri, 29 May 2026 10:07:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237609-rocket-launches-vantagescore-40</link>
    </item>
    <item>
      <title>Lenders, Investors Wait for Historical FICO 10T Data</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Both VantageScore and FICO have commissioned research to support their claims of superiority. But the truth probably won’t be known until VantageScore 4.0 and FICO 10T compete head-to-head.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237442</guid>
      <pubDate>Fri, 15 May 2026 12:08:13 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237442-comparing-vantagescore-40-and-fico-10t</link>
    </item>
    <item>
      <title>GSEs Make Varied Tweaks to Selling Guides</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Fannie and Freddie separately updated their selling guides, with changes involving remote online notarization and qualification in instances where the mortgage applicant is anticipating a new job or a raise. There are also some developments involving the Uniform Appraisal Dataset.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237484</guid>
      <pubDate>Fri, 15 May 2026 12:02:18 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237484-gses-make-varied-tweaks-to-selling-guides</link>
    </item>
    <item>
      <title>GSEs Make Minor Updates to Servicing Guides</title>
      <author>bivey@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae is offering a new custodial bank account management application that impacts submissions of various forms to the GSE. Freddie Mac has adjusted the definitions of “change of control” and “senior management” at mortgage companies.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237485</guid>
      <pubDate>Fri, 15 May 2026 12:00:22 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237485-gses-make-minor-updates-to-servicing-guides</link>
    </item>
    <item>
      <title>Questions Remain on VantageScore 4.0 Implementation</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Until Fannie and Freddie are more transparent about the loan-level pricing adjustment grids for the new credit score, lenders and investors will remain cautious about its implementation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237362</guid>
      <pubDate>Fri, 01 May 2026 16:21:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237362-questions-remain-on-vantagescore-40-implementation</link>
    </item>
    <item>
      <title>GSE Capital Requirements Key Factor in Reform Effort</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[If FHFA reduces the GSEs’ capital requirements, that would be a key signal that efforts are moving forward to end the conservatorship of Fannie Mae and Freddie Mac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237355</guid>
      <pubDate>Fri, 01 May 2026 16:20:03 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237355-gaming-out-gse-reform</link>
    </item>
    <item>
      <title>FHFA Appeals Jury Award in Shareholder Lawsuit</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA argued that the award was an unjustified windfall for GSE shareholders, many of whom knew about the net worth sweep when they purchased the stock.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237344</guid>
      <pubDate>Fri, 01 May 2026 16:17:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237344-fhfa-appeals-jury-award-in-shareholder-lawsuit</link>
    </item>
    <item>
      <title>Status Quo Likely for Fannie and Freddie in Near Term</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Industry watchers believe GSE reform is probably off the table until after the mid-term elections at least, as the administration’s focus has shifted to other priorities.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237369</guid>
      <pubDate>Fri, 01 May 2026 16:15:06 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237369-status-quo-for-fannie-and-freddie</link>
    </item>
    <item>
      <title>CHLA Seeks Targeted LLPA Cuts to Improve Affordability</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The trade group called for an all-of-government effort to solve the housing affordability crisis. That includes the GSEs.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237363</guid>
      <pubDate>Fri, 01 May 2026 16:11:11 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237363-can-the-gses-impact-affordability</link>
    </item>
    <item>
      <title>Fannie Sets Guardrails for AI/ML</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae belatedly joined Freddie Mac in establishing ground rules for seller/servicers that deploy or manage artificial intelligence or machine learning tools while doing business with the enterprise.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237219</guid>
      <pubDate>Fri, 17 Apr 2026 14:08:04 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237219-fannie-sets-guardrails-for-ai-ml</link>
    </item>
    <item>
      <title>GSEs Take Diverging Paths on Debt</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fannie Mae extended duration by shifting from short- to long-term debt, but allowed overall debt to grow. Freddie de-levered by cutting short-term debt without adding to long-term debt.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237235</guid>
      <pubDate>Fri, 17 Apr 2026 14:06:05 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237235-gses-take-diverging-paths-on-debt</link>
    </item>
    <item>
      <title>Rural DTS Lending Doesn’t Follow Inflationary Model</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Since 2016, when the duty-to-serve rule compelled the GSEs to make it easier to buy homes in rural census tracts, home prices have remained mostly stable and rents have declined.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237218</guid>
      <pubDate>Fri, 17 Apr 2026 14:04:07 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237218-dts-lending-doesnt-follow-inflationary-model</link>
    </item>
    <item>
      <title>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Trump budget ignores GSE reform; Morningstar DBRS affirms AAA ratings on GSEs; Vice Capital an early adopter of new low loan balance payment categories; Fannie to simplify income eligibility calculations for some LLPA waivers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237239</guid>
      <pubDate>Fri, 17 Apr 2026 14:00:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237239-gse-roundup</link>
    </item>
    <item>
      <title>PIMCO Skeptical of Trump Administration’s Affordability Plans</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Experts at the bond giant criticized the random MBS purchases, GSE public offering plans and guarantee-fee reductions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237198</guid>
      <pubDate>Thu, 16 Apr 2026 16:08:20 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237198-pimco-skeptical-of-administrations-affordability-plans</link>
    </item>
    <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>Fannie Urges Appraisers to Prep for UAD 3.6</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The new Uniform Appraisal Dataset dramatically improves the ability of appraisers to communicate details about a property’s location and views, along with how they impact its valuation.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237105</guid>
      <pubDate>Fri, 03 Apr 2026 11:52:41 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237105-fannie-urges-appraisers-to-prep-for-uad-36</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 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>
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