Treasury, CBO, and GAO Reports on FNMA, FHLMC, and the Federal Home Loan Bank System: Hearings Before the 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, Volume 4U.S. Government Printing Office, 1991 - 391 pages |
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Page 12
... question of who sets the minimum capital re- quirements . Mr. POWELL . I will answer that . I will answer the first part ... stress test and remain solvent . Second , there ought to be sufficient capital to guard against management and ...
... question of who sets the minimum capital re- quirements . Mr. POWELL . I will answer that . I will answer the first part ... stress test and remain solvent . Second , there ought to be sufficient capital to guard against management and ...
Page 15
... question . Mr. BAKER . There are different missions of GSES , the housing re ... test . Mr. BAKER . How is that ? Mr. POWELL . You say , let's recreate the ... stress assessment where taxpayers would not be called upon to shore up 15 ...
... question . Mr. BAKER . There are different missions of GSES , the housing re ... test . Mr. BAKER . How is that ? Mr. POWELL . You say , let's recreate the ... stress assessment where taxpayers would not be called upon to shore up 15 ...
Page 16
... stress test scenar- ios , but not all , and we would feel better if Fannie and Freddie con- tinued to build capital ... question relates to profitability of the GSE in housing business . Is it a fair assessment that as profitability has ...
... stress test scenar- ios , but not all , and we would feel better if Fannie and Freddie con- tinued to build capital ... question relates to profitability of the GSE in housing business . Is it a fair assessment that as profitability has ...
Page 21
... stress test on credit risk and interest rate risk . Second , an addition- al amount of capital to protect against management , operations , and business risk . Third , incremental capital to deal with new ac- tivities . Now , that is ...
... stress test on credit risk and interest rate risk . Second , an addition- al amount of capital to protect against management , operations , and business risk . Third , incremental capital to deal with new ac- tivities . Now , that is ...
Page 26
... stress test on credit risk and interest rate risk and still remain solvent . The test will be a very substantial stress test with very , very bad economic times for an extended period of time . Any GSE ought to be able to survive that ...
... stress test on credit risk and interest rate risk and still remain solvent . The test will be a very substantial stress test with very , very bad economic times for an extended period of time . Any GSE ought to be able to survive that ...
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Expressions et termes fréquents
activities affordable housing assets believe borrowers Brendsel capital level capital requirements capital standards Chairman GONZALEZ charter commercial banks community lending concern CONGRESS THE LIBRARY cost credit risk debt DELLIBOVI developed district banks ensure enterprises entities EVANS exposure Fannie and Freddie Fannie Mae Federal Home Loan FHLBank System FHLMC financial institutions financial safety FIRREA FRANK Freddie Mac funds going Government Sponsored Enterprises GSE's GSES guarantee Home Loan Bank home mortgages HUD's increase interest rate risk investment investors issue JOHNSON legislation lenders Loan Bank System Mac's Mae and Freddie Mae's million moderate income moderate-income mortgage-backed securities multifamily neighborhoods oversight percent portfolio POWELL proposal purchase question rating agencies Reischauer responsibility risk-based ROUKEMA safety and soundness SCHUMER secondary market Secretary securitization statutory stress tests subcommittee supervisory agency taxpayer Thank thrift Treasury underwriting VENTO WEICHER
Fréquemment cités
Page 197 - I am inviting a group of our leading bankers to meet with me, the Secretary of the Treasury and the Chairman of the Federal Reserve Board in the near future.
Page 1 - Federally sponsored housing intermediaries, such as the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation and the Federal Home Loan Banks.
Page 276 - IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, Ml, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM...
Page 240 - MBS, we. take the credit risk, as the name implies, although about $12 billion of those loans are loans insured by the Federal Housing Administration (FHA), or guaranteed by the Veterans Administration (VA) , and therefore backed by the government.
Page 149 - Mae), the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Student Loan Marketing Association (Sallie Mae).
Page 192 - SUBCOMMITTEE ON HOUSING AND COMMUNITY DEVELOPMENT, COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS, Washington, DC.
Page 254 - Harlem, Brooklyn, the Bronx, and the Lower East Side of Manhattan — are being developed by 18 different community groups. For several groups, these represent their first ventures into the development of permanent housing. A subsidiary of The Enterprise Foundation identified individual projects and helped structure the transactions. The City of New York sold the properties for $1 each, and New York City and State each provided very-low-interest mortgages.
Page 208 - Federal agency" means any department, agency, corporation, or other entity or instrumentality of the executive branch of the Federal Government, including the United States Postal Service, the Federal National Mortgage Association, and the Federal Home Loan Mortgage Corporation. (6) The term "Federal building...
Page 253 - Low-Income Rental Housing Equity Investments Since 1986, when the Congress authorized a program of tax credits for investments in qualified low-income rental housing projects, Fannie Mae has undertaken selected investments in such projects to help promote the development of affordable rental housing.