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, 2004U.S. Government Printing Office, 2005 - 540 lappuses |
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20. lappuse
... purchase goal we have proposed is a tool to specifically promote affordable homeownership . As the Members know , low interest rates in recent years have led to a boom in refinancings . Although Fannie Mae and Freddie Mac provide li ...
... purchase goal we have proposed is a tool to specifically promote affordable homeownership . As the Members know , low interest rates in recent years have led to a boom in refinancings . Although Fannie Mae and Freddie Mac provide li ...
22. lappuse
... purchase goal , and that goal would allow us to not only have the underserved areas , rural and central city , the low- and moderate - income and special affordable housing , but also a home purchase goal to ensure that they are ...
... purchase goal , and that goal would allow us to not only have the underserved areas , rural and central city , the low- and moderate - income and special affordable housing , but also a home purchase goal to ensure that they are ...
44. lappuse
... purchase their innovative loans in a secondary market , and smaller lenders , such as inde- pendent community banks , depend on our innovations to access the secondary mortgage market and build up a competitive mortgage business to ...
... purchase their innovative loans in a secondary market , and smaller lenders , such as inde- pendent community banks , depend on our innovations to access the secondary mortgage market and build up a competitive mortgage business to ...
63. lappuse
... purchase area . They said it was consistent with the mission , and the System's housing mission . And the Finance Board authorized us to move into this area . So it was not as if somehow we just moved into this area . We had a lot of ...
... purchase area . They said it was consistent with the mission , and the System's housing mission . And the Finance Board authorized us to move into this area . So it was not as if somehow we just moved into this area . We had a lot of ...
79. lappuse
... purchase these loans in the secondary market . With- out that secondary market outlet , lenders would have to assume more risk and ex- pense in developing innovative mortgage products that are vital for reaching new markets . There is a ...
... purchase these loans in the secondary market . With- out that secondary market outlet , lenders would have to assume more risk and ex- pense in developing innovative mortgage products that are vital for reaching new markets . There is a ...
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ability activities affordable housing goals appropriate assets authority bank regulators basis points believe billion capital requirements Chairman GREENSPAN Chairman SHELBY charter Committee Congress cost debt directors disclosure em_FFHS ensure entities Exchange Act Fannie and Freddie Fannie Mae FDIC Federal Home Loan FHLB FHLBanks Finance Board financial institutions Freddie Mac funding Government Sponsored Enterprises GSE regulator GSE regulatory Home Loan Banks homebuyers homeowners homeownership housing finance system housing GSE's housing mission important independent interest rate risk investors issues KORSMO legislation liquidity Mac's Mae and Freddie Mae's Members mortgage market mortgage-backed securities NAHB OFHEO percent portfolio potential proposed purchase question RAYBURN receivership regu regulatory agency regulatory structure risk-based capital standard role safety and soundness SEC registration Secretary Snow securitization Senator BENNETT Senator HAGEL Senator REED Senator SARBANES Senator SUNUNU soundness regulator STATEMENT subsidy systemic risk testimony Thank thrifts tion Treasury WALKER
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249. 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.
357. lappuse - Finally, the Federal Housing Enterprises Financial Safety and Soundness Act of 1992...
245. lappuse - Thank you for the opportunity to testify. I would be pleased to answer any questions you may have.
283. 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").
351. 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...
398. 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).
220. 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,...
534. 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...
351. 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...