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Regulating Housing Gses
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Book Synopsis Guaranteed to Fail by : Viral V. Acharya
Download or read book Guaranteed to Fail written by Viral V. Acharya and published by Princeton University Press. This book was released on 2011-03-14 with total page 233 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.
Book Synopsis Members of the Federal Home Loan Bank System by : United States. Federal Home Loan Bank Board
Download or read book Members of the Federal Home Loan Bank System written by United States. Federal Home Loan Bank Board and published by . This book was released on 1984 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Privatization of Fannie Mae and Freddie Mac by : Harold L. Bunce
Download or read book Privatization of Fannie Mae and Freddie Mac written by Harold L. Bunce and published by DIANE Publishing. This book was released on 1997 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report demonstrates that a significant proportion of prospective homeowners remains underserved by the mortgage finance industry. The report reviews and evaluates the framework of housing goals that has been established by Fannie Mae and Freddie Mac. It finds that the housing goals represent a promising approach to focusing their resources on the mortgage credit needs of homebuyers. Such a programmatic emphasis by these enterprises represents an appropriate exchange for the benefits that they receive through their ties with the Federal government.
Book Synopsis Housing and the Financial Crisis by : Edward L. Glaeser
Download or read book Housing and the Financial Crisis written by Edward L. Glaeser and published by University of Chicago Press. This book was released on 2013-08-19 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conventional wisdom held that housing prices couldn’t fall. But the spectacular boom and bust of the housing market during the first decade of the twenty-first century and millions of foreclosed homeowners have made it clear that housing is no different from any other asset in its ability to climb and crash. Housing and the Financial Crisis looks at what happened to prices and construction both during and after the housing boom in different parts of the American housing market, accounting for why certain areas experienced less volatility than others. It then examines the causes of the boom and bust, including the availability of credit, the perceived risk reduction due to the securitization of mortgages, and the increase in lending from foreign sources. Finally, it examines a range of policies that might address some of the sources of recent instability.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :336 pages Book Rating :4.3/5 (91 download)
Book Synopsis Reforming the Regulation of the Government-sponsored Enterprises by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Reforming the Regulation of the Government-sponsored Enterprises written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2010 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Governmentsponsored enterprises advantages and disadvantages of creating a single housing GSE regulator by :
Download or read book Governmentsponsored enterprises advantages and disadvantages of creating a single housing GSE regulator written by and published by DIANE Publishing. This book was released on 1997 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Subprime Markets, the Role of GSEs, and Risk-Based Pricing by : Kenneth M. Temkin
Download or read book Subprime Markets, the Role of GSEs, and Risk-Based Pricing written by Kenneth M. Temkin and published by . This book was released on 2002-10 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Presents the ideas & opinions of many subprime mortgage market participants observers on subprime borrowers, their default experience, & subprime lenders' underwriting practices. Representatives of lenders, trade associations, Fannie Mae & Freddie Mac, rating agencies & other market experts talked with the authors about the complex issues related to a larger GSE role in the subprime market. Chapters: what is subprime lending & who does it serve?; a brief history of subprime lending; underwriting & pricing practices; the GSEs & subprime lending: current & future roles; automated underwriting & risk-based pricing; automated underwriting systems in today's lending environment; & policy issues & recommendations.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :562 pages Book Rating :4.F/5 ( download)
Book Synopsis Proposals for Improving the Regulation of the Housing Government Sponsored Enterprises by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Proposals for Improving the Regulation of the Housing Government Sponsored Enterprises written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2005 with total page 562 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Administrative Perspective on GSE Regulatory Reform by : United States. Congress. House. Committee on Financial Services
Download or read book The Administrative Perspective on GSE Regulatory Reform written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2005 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Fateful History of Fannie Mae by : James R. Hagerty
Download or read book The Fateful History of Fannie Mae written by James R. Hagerty and published by Arcadia Publishing. This book was released on 2012-09-04 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A lucid and meticulously reported book by one of the Wall Street Journal’s ace reporters” (George Anders, Forbes contributor and author of The Rare Find). In 1938, the administration of Franklin Delano Roosevelt created a small agency called Fannie Mae. Intended to make home loans more accessible, the agency was born of the Great Depression and a government desperate to revive housing construction. It was a minor detail of the New Deal, barely recorded by the newspapers of the day. Over the next seventy years, Fannie Mae evolved into one of the largest financial companies in the world, owned by private shareholders but with its nearly $1 trillion of debt effectively guaranteed by the government. Almost from the beginning, critics repeatedly warned that Fannie was an accident waiting to happen. Then, in 2008, the housing market collapsed. Amid a wave of foreclosures, the company’s capital began to run out, and the US Treasury seized control. From the New Deal to President Obama’s administration, James R. Hagerty explains this fascinating but little-understood saga. Based on the author’s reporting for the Wall Street Journal, personal research, and interviews with executives, regulators, and congressional leaders, The Fateful History of Fannie Mae, he explains the politics, economics, and human frailties behind seven decades of missed opportunities to prevent a financial disaster.
Book Synopsis Fannie Mae and Freddie Mac by : Oonagh McDonald
Download or read book Fannie Mae and Freddie Mac written by Oonagh McDonald and published by A&C Black. This book was released on 2013-07-18 with total page 494 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book demonstrates how politicians and federal agencies dominated Fannie Mae and Freddie Mac and took just thirteen years to wreck the American dream of home ownership.
Book Synopsis Legislative Proposals on Government-sponsored Enterprise (GSE) Reform by : United States. Congress. House. Committee on Financial Services
Download or read book Legislative Proposals on Government-sponsored Enterprise (GSE) Reform written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2007 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Federal Money Laundering Regulation by : Steven Mark Levy
Download or read book Federal Money Laundering Regulation written by Steven Mark Levy and published by Wolters Kluwer. This book was released on 2015-01-01 with total page 1646 pages. Available in PDF, EPUB and Kindle. Book excerpt: Federal Money Laundering Regulation: Banking, Corporate and Securities Compliance is your complete guide to understanding and complying with all U.S. statutes, regulations and court decisions governing money laundering activity. This valuable desk reference provides in-depth analysis and guidance on recordkeeping and reporting requirements, anti- money laundering compliance programs, money laundering crimes, asset forfeitures, and state and international measures against money laundering and terrorist financing. This guide is especially aimed at law firms and corporate counsel representing banks, insurance companies, securities broker-dealers, and other financial institutions, as well as the criminal bar, public accountants, and compliance officers. The Second Edition of Federal Money Laundering Regulation reflects a substantial reorganization and expansion of the previous edition, and adds three new chapters covering: terrorist financing (Chapter 5); OFAC compliance (Chapter 10); and special measures against foreign jurisdictions or financial institutions deemed to be and“of primary money laundering concernand” (Chapter 30). The remaining chapters have been extensively rewritten and reorganized to reflect major regulatory developments. Highlights include: Techniques used by federal, state, and local politicians to launder money. The new role of the Federal Housing Finance Agency (FHFA) to ensure anti-money laundering compliance by Fannie Mae, Freddie Mac and the Federal Home Loan Banks. Designing an adequate Customer Identification Program (CIP) for verifying the identity of persons seeking to open an account and checking customer names against terrorist lists. Responding to an information request under Section 314(a) of the Patriot Act. Exercising due diligence when opening and managing correspondent accounts for foreign banks and enhanced due diligence for certain correspondent accounts. Blocking (freezing) assets and property of OFAC-designated countries, entities or individuals, and reporting the blocked transactions. Using automated systems to facilitate BSA reporting, including flagging suspicious activity and large currency transactions.
Author :United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Capital Markets, Securities, and Government Sponsored Enterprises Publisher : ISBN 13 : Total Pages :584 pages Book Rating :4.:/5 (327 download)
Book Synopsis H.R. 3703--The Housing Finance Regulatory Improvement Act by : United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Capital Markets, Securities, and Government Sponsored Enterprises
Download or read book H.R. 3703--The Housing Finance Regulatory Improvement Act written by United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Capital Markets, Securities, and Government Sponsored Enterprises and published by . This book was released on 2000 with total page 584 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Hidden in Plain Sight by : Peter J. Wallison
Download or read book Hidden in Plain Sight written by Peter J. Wallison and published by Encounter Books. This book was released on 2016-03-29 with total page 331 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 2008 financial crisis—like the Great Depression—was a world-historical event. What caused it will be debated for years, if not generations. The conventional narrative is that the financial crisis was caused by Wall Street greed and insufficient regulation of the financial system. That narrative produced the Dodd-Frank Act, the most comprehensive financial-system regulation since the New Deal. There is evidence, however, that the Dodd-Frank Act has slowed the recovery from the recession. If insufficient regulation caused the financial crisis, then the Dodd-Frank Act will never be modified or repealed; proponents will argue that doing so will cause another crisis. A competing narrative about what caused the financial crisis has received little attention. This view, which is accepted by almost all Republicans in Congress and most conservatives, contends that the crisis was caused by government housing policies. This book extensively documents this view. For example, it shows that in June 2008, before the crisis, 58 percent of all US mortgages were subprime or other low-quality mortgages. Of these, 76 percent were on the books of government agencies such as Fannie Mae and Freddie Mac. When these mortgages defaulted in 2007 and 2008, they drove down housing prices and weakened banks and other mortgage holders, causing the crisis. After this book is published, no one will be able to claim that the financial crisis was caused by insufficient regulation, or defend Dodd-Frank, without coming to terms with the data this book contains.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises Publisher : ISBN 13 : Total Pages :112 pages Book Rating :4.:/5 (327 download)
Book Synopsis GSE oversight by : United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Download or read book GSE oversight written by United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises and published by . This book was released on 2003 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Treasury Department's Views on the Regulation of Government Sponsored Enterprises by : United States. Congress. House. Committee on Financial Services
Download or read book The Treasury Department's Views on the Regulation of Government Sponsored Enterprises written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2003 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt:
