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TREASURY, CBO AND GAO REPORTS ON FNMA,

FHLMC AND THE FEDERAL HOME LOAN BANK
SYSTEM

D450

구 7

LIGMART UT

U CÚNGRESS

OCT - 3 1991

HEARINGS

POPY.

BEFORE THE

& GIST DIVISION

5

SUBCOMMITTEE ON
HOUSING AND COMMUNITY DEVELOPMENT

OF THE
COMMITTEE ON BANKING, FINANCE AND

URBAN AFFAIRS
HOUSE OF REPRESENTATIVES

ONE HUNDRED SECOND CONGRESS

FIRST SESSION

MAY 15, 29 1991

Printed for the use of the Committee on Banking, Finance and Urban Affairs

Serial No. 102-33

U.S. GOVERNMENT PRINTING OFFICE

WASHINGTON : 1991

42-910 5

For sale by the U.S. Government Printing Office
Superintendent of Documents, Congressional Sales Office, Washington, DC 20402

ISBN 0-16-035556-7

HOUSE COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS

HENRY B. GONZALEZ, Texas, Chairman FRANK ANNUNZIO, Illinois

CHALMERS P. WYLIE, Ohio STEPHEN L. NEAL, North Carolina

JIM LEACH, Iowa CARROLL HUBBARD, JR., Kentucky

BILL MCCOLLUM, Florida JOHN J. LAFALCE, New York

MARGE ROUKEMA, New Jersey MARY ROSE OAKAR, Ohio

DOUG BEREUTER, Nebraska BRUCE F. VENTO, Minnesota

THOMAS J. RIDGE, Pennsylvania DOUG BARNARD, JR., Georgia

TOBY ROTH, Wisconsin CHARLES E. SCHUMER, New York

ALFRED A. (AL) MCCANDLESS, California BARNEY FRANK, Massachusetts

RICHARD H. BAKER, Louisiana BEN ERDREICH, Alabama

CLIFF STEARNS, Florida THOMAS R. CARPER, Delaware

PAUL E. GILLMOR, Ohio ESTEBAN EDWARD TORRES, California BILL PAXON, New York GERALD D. KLECZKA, Wisconsin

JOHN J. DUNCAN, JR., Tennessee PAUL E. KANJORSKI, Pennsylvania

TOM CAMPBELL, California ELIZABETH J. PATTERSON, South Carolina MEL HANCOCK, Missouri JOSEPH P. KENNEDY II, Massachusetts FRANK D. RIGGS, California FLOYD H. FLAKE, New York

JIM NUSSLE, Iowa KWEISI MFUME, Maryland

RICHARD K. ARMEY, Texas
PETER HOAGLAND, Nebraska

CRAIG THOMAS, Wyoming
RICHARD E. NEAL, Massachusetts
CHARLES J. LUKEN, Ohio

BERNARD SANDERS, Vermont
MAXINE WATERS, California
LARRY LAROCCO, Idaho
BILL ORTON, Utah
JIM BACCHUS, Florida
JAMES P. MORAN, Virginia
JOHN W. COX, JR., Illinois
TED WEISS, New York
JIM SLATTERY, Kansas
GARY L. ACKERMAN, New York

SUBCOMMITTEE ON HOUSING AND COMMUNITY DEVELOPMENT

HENRY B. GONZALEZ, Texas, Chairman MARY ROSE OAKAR, Ohio

MARGE ROUKEMA, New Jersey BRUCE F. VENTO, Minnesota

CHALMERS P. WYLIE, Ohio CHARLES E. SCHUMER, New York

DOUG BEREUTER, Nebraska BARNEY FRANK, Massachusetts

THOMAS J. RIDGE, Pennsylvania BEN ERDREICH, Alabama

RICHARD H. BAKER, Louisiana THOMAS R. CARPER, Delaware

BILL PAXON, New York ESTEBAN EDWARD TORRES, California CLIFF STEARNS, Florida GERALD D. KLECZKA, Wisconsin

PAUL E. GILLMOR, Ohio PAUL E. KANJORSKI, Pennsylvania TOM CAMPBELL, California STEPHEN L. NEAL, North Carolina

FRANK D. RIGGS, California
CARROLL HUBBARD, JR., Kentucky

RICHARD K. ARMEY, Texas
JOSEPH P. KENNEDY II, Massachusetts CRAIG THOMAS, Wyoming
FLOYD H. FLAKE, New York
KWEISI MFUME, Maryland

BERNARD SANDERS, Vermont
JOHN J. LAFALCE, New York
ELIZABETH J. PATTERSON, South Carolina
RICHARD E. NEAL, Massachusetts
MAXINE WATERS, California
BILL ORTON, Utah
JOHN W. COX, Jr., Illinois

91-602034

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