Proposals for Improving the Regulation of the Housing Government Sponsored Enterprises: Hearings Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Eighth Congress, First and Second Sessions, on Essential Elements and Proposals of Regulatory Reform, Resolution of Accounting Issues, and Funding of a New Oversight Office, October 16, 23, 2003, February 10, 24, and 25, 2004
U.S. Government Printing Office, 2005 - 540 lappuses
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ability able accounting activities additional affordable housing agency appropriate approval areas assets authority believe benefits Board capital standards Chairman SHELBY Committee companies concern Congress continue cost create debt directors economic effective ensure Enterprises entities established examiners example Fannie and Freddie Fannie Mae Federal Home Loan Freddie Mac funding goals going Government GREENSPAN GSE's guarantee hearing hold Home Loan Banks homeownership housing housing finance housing GSE's important increase independent institutions interest investors issue liquidity look Mae and Freddie meet Members mission mortgage Office OFHEO operations oversight percent portfolio potential proposed purchase question registration regulator regulatory requirements responsibility result risk risk-based role safety and soundness Secretary securities Senator SARBANES STATEMENT structure subsidy testimony Thank Treasury
251. lappuse - Administration (NCUA), the Office of the Comptroller of the Currency (OCC), and the Office of Thrift Supervision (OTS) and to make recommendations to promote uniformity in the supervision of financial institutions.
247. lappuse - Thank you for the opportunity to testify. I would be pleased to answer any questions you may have.
285. lappuse - I am pleased to have this opportunity to testify before you on behalf of the Securities and Exchange Commission ("SEC ). The SEC continues to support repeal of the Public Utility Holding Company Act of 1935 ("1935 Act").
353. lappuse - The secretary can make the exception only if the secretary determines, "in consultation with the President," that least-cost resolution of a given institution "would have serious adverse effects on economic conditions or financial stability." The secretary must document the determination. The General Accounting Office must review and report on the exception, including the potential for it to diminish market discipline and encourage unsound risk-taking. To recoup the additional cost of deviating from...
400. lappuse - Mae), the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Student Loan Marketing Association (Sallie Mae).
222. lappuse - Further, the Mortgage Bankers support certain core principles for effective regulation of Fannie Mae and Freddie Mac. First, effective safety and soundness oversight is vital. The Treasury Department successfully regulates both national banks and Federal thrifts and has successfully demonstrated its ability to fulfill the role of a financial safety and soundness regulator. The Mortgage Bankers support establishing Treasury as the safety and soundness regulator for Fannie Mae and Freddie Mac. Second,...
536. lappuse - ... encourage member institutions to increase their support for affordable housing. AHP subsidies must be used to finance the purchase, construction, and/or rehabilitation of owner-occupied housing for households whose income does not exceed 80 percent of the area's median income or rental housing, in which at least 20 percent of the units are occupied by and affordable to very-low-income households earning 50 percent or less of the area's median income for the remaining useful life of such...
18. lappuse - STATEMENT OF MEL MARTINEZ SECRETARY US DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT BEFORE THE UNITED STATES HOUSE...
353. lappuse - Corporation) in connection with the exercise of any such authority with respect to such institution is the least costly to the deposit insurance fund of all possible methods for meeting the Corporation's obligation under this section. "(B) DETERMINING LEAST COSTLY APPROACH. In determining how to satisfy the Corporation's obligations to an institution's insured depositors at the least possible cost to the deposit insurance fund, the Corporation shall comply with the following provisions...