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    <title>Federal Reserve</title>
    <description>
      <![CDATA[Description+goes+here]]>
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    <link>https://www.insidemortgagefinance.com/rss</link>
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    <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>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>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 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>FHFA IG Ousted; More Layoffs at Fannie Mae</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The administration’s firing of FHFA’s acting inspector general comes on the heels of the departure of several GSE executives and news that most of the ethics and internal investigations team at Fannie have been laid off.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235850</guid>
      <pubDate>Fri, 07 Nov 2025 13:51:27 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235850-heads-roll-in-gse-land</link>
    </item>
    <item>
      <title>Trade Groups Call for More MBS Purchases by Fannie, Freddie</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Allowing the GSEs, under certain conditions, to purchase up to $300 billion in agency MBS each could reduce mortgage rates by as much as 30 basis points, lender groups say.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235707</guid>
      <pubDate>Fri, 24 Oct 2025 14:05:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235707-trade-groups-say-let-the-gses-purchase-mbs</link>
    </item>
    <item>
      <title>FHFA Signals Deregulation Plans for GSEs, FHLBanks</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHFA’s spring regulatory agenda includes plans to scrap nine existing and proposed rules.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/235306</guid>
      <pubDate>Fri, 12 Sep 2025 15:08:14 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/235306-fhfa-signals-plans-for-deregulation</link>
    </item>
    <item>
      <title>Pulte Declares War on Fed Chair Powell</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The FHFA director’s social media posts echo President Trump’s criticism of the chair of the Federal Reserve for not lowering rates quickly enough.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234701</guid>
      <pubDate>Thu, 03 Jul 2025 12:57:12 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234701-pulte-declares-war-on-powell</link>
    </item>
    <item>
      <title>Pulte Follows in Trump’s Footsteps, Calls for Rate Cuts</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[In post on X, FHFA Director Bill Pulte nudged the Federal Reserve chair to hike rates: “Jerome Powell cut rates right before the election at ‘higher’ levels of inflation. Why won’t he cut now?”]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/234481</guid>
      <pubDate>Fri, 06 Jun 2025 14:17:55 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/234481-keeping-up-with-pulte</link>
    </item>
    <item>
      <title>FHLBank Reforms Lingering on FHFA’s Agenda</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The remaining items on the Biden administration’s regulatory agenda for FHFA are primarily proposals affecting the Federal Home Loan Banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233075</guid>
      <pubDate>Fri, 03 Jan 2025 13:57:12 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233075-whats-left-on-fhfas-regulatory-agenda</link>
    </item>
    <item>
      <title>FHLBank Stakeholders Weigh In on Fed’s Discount Window</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Trade groups point out that it sometimes takes days for lenders to get their collateral back after paying off a Fed advance.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/233063</guid>
      <pubDate>Fri, 03 Jan 2025 13:51:21 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/233063-fhlbank-stakeholders-urge-fed-to-streamline-discount-window-operations</link>
    </item>
    <item>
      <title>Banks Raise Concerns About FHFA’s FHLBank Moves</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Trade groups representing banks are unhappy with some of the changes FHFA is making to Federal Home Loan Bank practices.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232298</guid>
      <pubDate>Fri, 04 Oct 2024 14:55:46 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232298-regulator-reminds-fhlbanks-of-credit-risk-management-expectations</link>
    </item>
    <item>
      <title>FHFA to Ease Rules on Interest-Bearing Deposit Accounts</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Because deposits at the Federal Reserve don’t earn interest, FHLBanks’ use of IBDAs at large banks with high credit has expanded over the last few years. FHFA wants to give those deposits a capital treatment equivalent to that given to overnight Fed funds sales.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/232276</guid>
      <pubDate>Fri, 04 Oct 2024 14:53:49 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/232276-fhfa-to-ease-rules-on-interest-bearing-deposit-accounts</link>
    </item>
    <item>
      <title>FHFA Adds Five Proposed Rules to its Regulatory Agenda</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Two of the new proposed rules are directed at Fannie Mae and Freddie Mac. The other three relate to the Federal Home Loan Banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231537</guid>
      <pubDate>Fri, 12 Jul 2024 15:08:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231537-fhfas-regulatory-agenda</link>
    </item>
    <item>
      <title>GSEs Faulted for Inadequate Property Insurance Policies</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Researchers say strategic securitization by lenders exposes the GSEs to higher insurer counterparty risk, especially in regions with frequent climate-related disasters. The proposed cure: LLPAs and capital rules that compensate the GSEs for this risk.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231428</guid>
      <pubDate>Fri, 28 Jun 2024 13:14:57 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231428-climate-property-insurance-and-the-gses</link>
    </item>
    <item>
      <title>Rule Prohibiting Incentive-Based Comp Reproposed</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Housing Finance Agency last week joined the OCC, FDIC and NCUA in reproposing a rule that will prohibit incentive-based compensation agreements.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/231038</guid>
      <pubDate>Fri, 17 May 2024 13:58:52 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/231038-proposed-rule-would-ban-certain-incentive-based-executive-compensation</link>
    </item>
    <item>
      <title>Federal Reserve Releases 2024 Stress Test Scenarios</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Reserve published a hypothetical economic collapse for banks to use in their annual stress test this year. The same scenario might be used by FHFA for Fannie Mae and Freddie Mac.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230298</guid>
      <pubDate>Fri, 23 Feb 2024 14:18:55 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230298-preview-of-the-2024-stress-tests</link>
    </item>
    <item>
      <title>Freddie Raises Concerns About Bank Capital Proposal</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Freddie and lender trade groups circled the wagons in opposition to many of the mortgage-related provisions in a proposed rule to change capital requirements for large banks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230015</guid>
      <pubDate>Fri, 26 Jan 2024 13:11:34 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230015-mortgage-industry-lambastes-basel-iii</link>
    </item>
    <item>
      <title>What if Fannie and Freddie Make Hard Times Worse?</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Fed researchers model an economy in which safe, stable agency MBS are the instigators of market turmoil and financial crisis.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/230022</guid>
      <pubDate>Fri, 26 Jan 2024 13:09:38 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/230022-what-if-fannie-and-freddie-make-the-hard-times-worse</link>
    </item>
    <item>
      <title>James Lockhart Says It’s Time to End the Conservatorship</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The former FHFA director says Congress will never act, but that the GSEs should create subsidiaries, then complete an initial public offering to get out of government control.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229912</guid>
      <pubDate>Fri, 12 Jan 2024 17:13:22 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229912-james-lockhart-says-its-time-to-end-the-conservatorship</link>
    </item>
    <item>
      <title>Freddie Director Heads for Greener Pastures</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Alberto Musalem, a director on the Freddie Mac board, will soon have a seat at the table of the Federal Open Market Committee.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229922</guid>
      <pubDate>Fri, 12 Jan 2024 17:07:30 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229922-freddie-director-heads-for-greener-pastures</link>
    </item>
    <item>
      <title>GSE Shareholders Still Face Challenges in Court</title>
      <description>
        <![CDATA[Even after a big win in a district court in August, Fannie Mae and Freddie Mac shareholders continue to face setbacks in other legal venues.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/229063</guid>
      <pubDate>Thu, 05 Oct 2023 13:08:59 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/229063-gse-shareholders-still-face-challenges-in-court</link>
    </item>
    <item>
      <title>Stakeholders Recommend Changes to AVM Proposal</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The mortgage industry generally supports the limited scope of the rule. But consumer advocates believe FIRREA calls for a broader scope, including AVMs used by licensed appraisers.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228764</guid>
      <pubDate>Fri, 01 Sep 2023 14:33:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228764-stakeholders-recommend-changes-to-proposed-avm-rule</link>
    </item>
    <item>
      <title>FHFA Touts Its Climate Agenda</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Since it was established last year, FHFA’s Climate Change and ESG Steering Committee has established eight working groups in an effort to improve the GSEs’ ability to calculate climate risks.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228768</guid>
      <pubDate>Fri, 01 Sep 2023 14:32:25 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228768-fhfa-touts-its-climate-agenda</link>
    </item>
    <item>
      <title>Proposed Bank Capital Rule and the GSEs</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The controversial proposed capital rule for large banks sets a 75% loss given default rate for GSE debt issued but not guaranteed by the GSEs. For the debt guaranteed by the GSEs, the LGD rate will be 25%.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228503</guid>
      <pubDate>Fri, 04 Aug 2023 14:40:24 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228503-proposed-capital-rule-and-the-gses</link>
    </item>
    <item>
      <title>FHFA Links Decline in Originations to DTI</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Most of the drop-off in production hasn’t been because borrowers didn’t want to pay high interest rates, an analysis from FHFA showed. It’s because high interest rates have spiked DTI ratios, disqualifying borrowers for a mortgage.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228386</guid>
      <pubDate>Fri, 21 Jul 2023 13:54:58 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228386-researchers-decline-in-originations-due-to-credit-supply</link>
    </item>
    <item>
      <title>FHLB Criticism Misplaced, San Francisco CEO Says</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[FHLB San Francisco CEO Teresa Bazemore argues that the system’s dual mandates of supporting housing and providing liquidity for FHLBank members are related.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/228152</guid>
      <pubDate>Thu, 29 Jun 2023 15:07:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/228152-fhlb-executive-defends-system</link>
    </item>
    <item>
      <title>GSEs Announce Replacement Rates for LIBOR</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Designating the appropriate SOFR-related benchmark rates for GSE products is one of the last major steps in the transition from LIBOR.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226652</guid>
      <pubDate>Fri, 06 Jan 2023 13:57:05 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226652-gses-announce-replacement-rates-for-libor</link>
    </item>
    <item>
      <title>Economists See Liquidity Risk in the MBS Market</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[With the Fed and banks no longer supporting the MBS market, liquidity depends on small investors and nonbank financial institutions.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/226526</guid>
      <pubDate>Thu, 22 Dec 2022 13:01:00 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/226526-bis-economists-see-liquidity-risk-in-the-mbs-market</link>
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