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    <title>Inside The GSEs</title>
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    <item>
      <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>FHLBanks Push for Regulatory Reforms</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[The Federal Home Loan Bank trade group supports President Trump’s executive order on improving access to mortgage credit.]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237228</guid>
      <pubDate>Fri, 17 Apr 2026 14:09:02 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237228-fhlbs-lobby-for-regulatory-reform</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>GSE Deliveries Weaken in First Quarter of 2026</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Large lenders increased their share in the conventional mortgage market even as their GSE volume fell. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/237102</guid>
      <pubDate>Fri, 03 Apr 2026 12:00:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/237102-gse-deliveries-weaken-in-1q</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>Profits Sag at FHLBanks in Fourth Quarter</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Profits declined at 10 of the 11 FHLBanks in the fourth quarter. Only FHLB Atlanta increased net income during the period. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236974</guid>
      <pubDate>Fri, 20 Mar 2026 14:26:09 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236974-sagging-profits-at-the-fhlbanks</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>GSE Seller Buybacks and Unresolved Claims Decline</title>
      <author>jbancroft@imfpubs.com</author>
      <description>
        <![CDATA[Lenders repurchased just over $2 million in defective loans from GSE mortgage-backed securities in 2025, the lowest annual total since 2020. (Includes three data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236930</guid>
      <pubDate>Fri, 20 Mar 2026 14:22:00 -0400</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236930-gse-seller-buybacks-and-unresolved-claims-down</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>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 Deliveries Fall 11.4% in February</title>
      <author>dhollier@imfpubs.com</author>
      <description>
        <![CDATA[Three of the top-five GSE issuers posted declines in volume last month. Meanwhile, Fannie’s share of total residential MBS issuance fell to a decade-plus low of 24.0% in the fourth quarter of 2025. (Includes two data tables.)]]>
      </description>
      <guid>http://www.insidemortgagefinance.com/articles/236849</guid>
      <pubDate>Fri, 06 Mar 2026 14:55:20 -0500</pubDate>
      <link>https://www.insidemortgagefinance.com/articles/236849-gse-deliveries-fall-115-in-february</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>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>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>
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