Description+goes+here https://www.insidemortgagefinance.com/rss en-us dhollier@imfpubs.com Four of the 11 regional Federal Home Loan Banks saw double-digit declines in net income in the first quarter, even though total assets grew for the period. (Includes three data tables.) http://www.insidemortgagefinance.com/articles/237586 Fri, 29 May 2026 12:14:04 -0400 https://www.insidemortgagefinance.com/articles/237586-margins-dip-at-the-fhlbanks dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237597 Fri, 29 May 2026 12:10:08 -0400 https://www.insidemortgagefinance.com/articles/237597-new-perspectives-on-gse-reform dhollier@imfpubs.com Milliman researchers calculate that the capital benefit Fannie Mae and Freddie Mac receive for their CRT activity reduces their capital requirement by about 20%. http://www.insidemortgagefinance.com/articles/237614 Fri, 29 May 2026 12:01:00 -0400 https://www.insidemortgagefinance.com/articles/237614-what-mbs-disclosures-tell-us-about-gse-capital dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237442 Fri, 15 May 2026 12:08:13 -0400 https://www.insidemortgagefinance.com/articles/237442-comparing-vantagescore-40-and-fico-10t dhollier@imfpubs.com Two main sources for lender liquidity are working to improve communication and simplify collateral exchange. http://www.insidemortgagefinance.com/articles/237441 Fri, 15 May 2026 12:06:16 -0400 https://www.insidemortgagefinance.com/articles/237441-fhlbs-describe-synchrony-with-federal-reserve bivey@imfpubs.com In a brief appearance on a show hosted by Steve Bannon, FHFA Director Bill Pulte suggested that part of the reason he was confirmed for the position was to address home prices. http://www.insidemortgagefinance.com/articles/237488 Fri, 15 May 2026 12:01:20 -0400 https://www.insidemortgagefinance.com/articles/237488-pulte-echoes-trump-in-push-for-housing-legislation dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237362 Fri, 01 May 2026 16:21:02 -0400 https://www.insidemortgagefinance.com/articles/237362-questions-remain-on-vantagescore-40-implementation dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237355 Fri, 01 May 2026 16:20:03 -0400 https://www.insidemortgagefinance.com/articles/237355-gaming-out-gse-reform dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237344 Fri, 01 May 2026 16:17:05 -0400 https://www.insidemortgagefinance.com/articles/237344-fhfa-appeals-jury-award-in-shareholder-lawsuit dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237369 Fri, 01 May 2026 16:15:06 -0400 https://www.insidemortgagefinance.com/articles/237369-status-quo-for-fannie-and-freddie dhollier@imfpubs.com GAO auditors suggested FHFA update its procedures for how accounting personnel consider the impact significant policy changes may have on its financial reporting. FHFA declines, saying the current procedures are fine. http://www.insidemortgagefinance.com/articles/237370 Fri, 01 May 2026 16:12:09 -0400 https://www.insidemortgagefinance.com/articles/237370-alphabet-soup-gao-fhfa-debate-gaap dhollier@imfpubs.com The trade group called for an all-of-government effort to solve the housing affordability crisis. That includes the GSEs. http://www.insidemortgagefinance.com/articles/237363 Fri, 01 May 2026 16:11:11 -0400 https://www.insidemortgagefinance.com/articles/237363-can-the-gses-impact-affordability dhollier@imfpubs.com The Federal Home Loan Bank trade group supports President Trump’s executive order on improving access to mortgage credit. http://www.insidemortgagefinance.com/articles/237228 Fri, 17 Apr 2026 14:09:02 -0400 https://www.insidemortgagefinance.com/articles/237228-fhlbs-lobby-for-regulatory-reform dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237219 Fri, 17 Apr 2026 14:08:04 -0400 https://www.insidemortgagefinance.com/articles/237219-fannie-sets-guardrails-for-ai-ml dhollier@imfpubs.com The move will increase the size of eligible loans and the number of units allowed, but stiffer qualification requirements may alienate smaller landlords. http://www.insidemortgagefinance.com/articles/237215 Fri, 17 Apr 2026 14:01:12 -0400 https://www.insidemortgagefinance.com/articles/237215-freddie-mac-merges-sbl-and-conventional-programs dhollier@imfpubs.com Experts at the bond giant criticized the random MBS purchases, GSE public offering plans and guarantee-fee reductions. http://www.insidemortgagefinance.com/articles/237198 Thu, 16 Apr 2026 16:08:20 -0400 https://www.insidemortgagefinance.com/articles/237198-pimco-skeptical-of-administrations-affordability-plans dhollier@imfpubs.com Officials at Fannie and Freddie say mortgage fraud remains rare but is growing more sophisticated. http://www.insidemortgagefinance.com/articles/237099 Fri, 03 Apr 2026 11:57:02 -0400 https://www.insidemortgagefinance.com/articles/237099-gses-talk-fraud dhollier@imfpubs.com The GSEs have yet to change their guidelines related to borrowers’ holdings of cryptocurrency. http://www.insidemortgagefinance.com/articles/237114 Fri, 03 Apr 2026 11:56:32 -0400 https://www.insidemortgagefinance.com/articles/237114-did-fannie-dip-a-toe-in-the-crypto-pool dhollier@imfpubs.com Conservative critics of the housing-finance system say preserving the status quo is more likely than a release from conservatorship or a government monopoly. http://www.insidemortgagefinance.com/articles/237086 Fri, 03 Apr 2026 11:54:36 -0400 https://www.insidemortgagefinance.com/articles/237086-conservatives-predict-the-future-of-the-gses dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237089 Fri, 03 Apr 2026 11:53:37 -0400 https://www.insidemortgagefinance.com/articles/237089-former-freddie-ceo-touts-new-capital-plan-for-gses dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/237111 Fri, 03 Apr 2026 11:51:43 -0400 https://www.insidemortgagefinance.com/articles/237111-gse-roundup dhollier@imfpubs.com Analysts are increasingly skeptical that the Trump administration will follow through on plans to recapitalize and release the GSEs. Some seek broader reform. http://www.insidemortgagefinance.com/articles/237007 Fri, 20 Mar 2026 14:24:10 -0400 https://www.insidemortgagefinance.com/articles/237007-no-end-in-sight-for-conservatorship dhollier@imfpubs.com New directives would improve collateral transfers between FHLBank members and the Federal Reserve and improve access to longer-term advances. http://www.insidemortgagefinance.com/articles/236985 Fri, 20 Mar 2026 14:20:13 -0400 https://www.insidemortgagefinance.com/articles/236985-trump-eo-targets-fhlbanks dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/236992 Fri, 20 Mar 2026 14:18:14 -0400 https://www.insidemortgagefinance.com/articles/236992-trump-housing-policy-announced-via-eo dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/236998 Fri, 20 Mar 2026 14:15:17 -0400 https://www.insidemortgagefinance.com/articles/236998-gses-ease-condo-rules dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/236857 Fri, 06 Mar 2026 14:51:21 -0500 https://www.insidemortgagefinance.com/articles/236857-fhfa-tightens-payment-process-for-legal-services dhollier@imfpubs.com 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. http://www.insidemortgagefinance.com/articles/236842 Fri, 06 Mar 2026 14:50:24 -0500 https://www.insidemortgagefinance.com/articles/236842-gse-shareholders-back-still-in-court dhollier@imfpubs.com New research — commissioned and funded by VantageScore — attempts to estimate the cost savings created by future competition between VantageScore and FICO. http://www.insidemortgagefinance.com/articles/236828 Fri, 06 Mar 2026 14:47:29 -0500 https://www.insidemortgagefinance.com/articles/236828-modeling-the-future-of-vantagescore-40 dhollier@imfpubs.com AI controversy; FHFA faces FOIA lawsuit; Fannie prices tender offer; new CRT deals; Freddie creates disaster hotline. http://www.insidemortgagefinance.com/articles/236873 Fri, 06 Mar 2026 14:45:34 -0500 https://www.insidemortgagefinance.com/articles/236873-gse-roundup dhollier@imfpubs.com The White House may face some opposition from its own party if it moves toward major GSE reform without Congress. http://www.insidemortgagefinance.com/articles/236712 Fri, 20 Feb 2026 14:50:41 -0500 https://www.insidemortgagefinance.com/articles/236712-key-house-republican-challenges-trumps-gse-plans