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Current GSE Guarantee Fees Are Too Low to Be Consistent with Regulatory Capital: Does This Mean a Large Increase Is Coming?

The Stoop (NYU Furman Center)

2 In November of last year, the Federal Housing Finance Agency (FHFA), the regulator and conservator of the two companies, issued its annual report on their G-fees (the G-fee Report), covering calendar year 2021. 3 In that report, the FHFA disclosed that the average G-fee across all products was 0.46

2008 52
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Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

The Stoop (NYU Furman Center)

Together, these two events make clear that closing costs are moving to the front burner of housing policy. Of note, during the height of the bubble (2005 and 2006), the average downpayment by an FTHB actually decreased to just two percent. Post-2008, with all the reforms enacted via the Dodd-Frank Act (e.g., 10] See [link]. [11]

Housing 59