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    <title>Freddie Mac</title>
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      <![CDATA[Description+goes+here]]>
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      <title>Depository Servicers End Slide in Servicing Share</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Banks and other depository institutions regained a little market share in GSE servicing during the first quarter of 2026 after 11 consecutive quarters of losing share to nonbanks. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237237</guid>
      <pubDate>Fri, 17 Apr 2026 14:12:01 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237237-depository-servicers-reverse-market-share-losses</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>Freddie Tweaks Flex Mod Rules</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Servicers will now have some leeway in how they execute flex loan modifications.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237238</guid>
      <pubDate>Fri, 17 Apr 2026 14:02:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237238-freddie-tweaks-flex-mod-rules</link>
    </item>
    <item>
      <title>Freddie Mac Adjusts Multifamily Small-Balance Loan Program</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The move will increase the size of eligible loans and the number of units allowed, but stiffer qualification requirements may alienate smaller landlords.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237215</guid>
      <pubDate>Fri, 17 Apr 2026 14:01:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237215-freddie-mac-merges-sbl-and-conventional-programs</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>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>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>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>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[What the GSEs are worth to the federal government; new MBS disclosures; former Freddie VP resurfaces at the helm of nonprofit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237000</guid>
      <pubDate>Fri, 20 Mar 2026 14:14:19 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237000-gse-roundup</link>
    </item>
    <item>
      <title>GSE Shareholder Lawsuit Set for Appeal in April</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Plaintiffs in Fairholme Funds v. FHFA, a landmark case in which a jury awarded GSE shareholders $612 million for damages resulting from the net worth sweep, seek more restitution on appeal.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236842</guid>
      <pubDate>Fri, 06 Mar 2026 14:50:24 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236842-gse-shareholders-back-still-in-court</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>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>GSE Roundup</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[AI controversy; FHFA faces FOIA lawsuit; Fannie prices tender offer; new CRT deals; Freddie creates disaster hotline.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236873</guid>
      <pubDate>Fri, 06 Mar 2026 14:45:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236873-gse-roundup</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>Pulte Met With Many in Industry During First Year</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Documents released under a FOIA request reveal who FHFA Director Bill Pulte met with through the first seven months of his term.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236740</guid>
      <pubDate>Fri, 20 Feb 2026 14:46:46 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236740-a-peak-into-pultes-schedule</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>
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