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 23
... underwriting criteria would be if used to assess the risk ? Mr. POWELL . By the credit rating agencies ? Mr. RIGGS . Yes . Mr. POWELL . They look at everything . They look at management , operations , the nature of the business . They ...
... underwriting criteria would be if used to assess the risk ? Mr. POWELL . By the credit rating agencies ? Mr. RIGGS . Yes . Mr. POWELL . They look at everything . They look at management , operations , the nature of the business . They ...
Page 62
... underwriting standards and program choices , as well as the quality of internal management and corporate infor- mation , and control systems . Last year's report showed that , through the restructuring of its assets and debt , Fannie ...
... underwriting standards and program choices , as well as the quality of internal management and corporate infor- mation , and control systems . Last year's report showed that , through the restructuring of its assets and debt , Fannie ...
Page 66
... underwriting standards as Fannie Mae and Freddie Mac do , there would have been no bailout at all . There would have been no need for a bailout . So , I do not think that we should take out the problems of the thrifts on Fannie Mae and ...
... underwriting standards as Fannie Mae and Freddie Mac do , there would have been no bailout at all . There would have been no need for a bailout . So , I do not think that we should take out the problems of the thrifts on Fannie Mae and ...
Page 111
... underwriting standards you use do not exclude creditwor- thy borrowers in low - income and inner - city areas ? There is no question that the banks in Boston are nowhere near and it was a shame to see these families not able to obtain ...
... underwriting standards you use do not exclude creditwor- thy borrowers in low - income and inner - city areas ? There is no question that the banks in Boston are nowhere near and it was a shame to see these families not able to obtain ...
Page 112
... underwriting standards do not exclude these credit - worthy borrowers . I wonder if you could provide the subcommittee with a break- down of the geographic location of the mortgages held by census track . Now I don't know if that is ...
... underwriting standards do not exclude these credit - worthy borrowers . I wonder if you could provide the subcommittee with a break- down of the geographic location of the mortgages held by census track . Now I don't know if that is ...
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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.