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The GSE Public-Private Hybrid Model Flunks Again: This Time It’s the Federal Home Loan Bank System (Part 1)

The Stoop (NYU Furman Center)

That’s because both are government-sponsored enterprises (GSEs). The GSE Background Over a century ago, Congress began creating public-private hybrid corporations known as government-sponsored enterprises. government, allowing them to borrow at near-Treasury rates, lower than any regular private sector company or bank could.

2008 79
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Indiana BMV Builds on Three Pillars to Drive up CX

GovLoop

When Mitch Daniels took office as Indiana’s Governor in 2005, one of the top items on his agenda was reforming the Bureau of Motor Vehicles (BMV). percent” in 2008, according to a study by the Sagamore Institute. From a constituent perspective, such behavior diminishes trust in government as a whole, Deloitte found.

2021 98
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Desperate times sometimes lead to a more marketing-oriented guise: WMATA/Metrorail | Bonus: WMATA's financial crisis

Rebuilding Place in Urban Space

Now a goodly amount of that is encapsulated in " Branding's (NOT) all you need for transit " (2018), but old pieces like " Making Transit Sexy " (2005), make the point too, less sophisticatedly. Second, during the 2008 crash, I got an email from an activist in response to all the budget and service cuts faced by transit systems.

2008 52
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Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

The Stoop (NYU Furman Center)

The Federal Housing Finance Agency (FHFA), the regulator and conservator of Freddie Mac and Fannie Mae, the two government-sponsored enterprises (GSEs), has been very prominently in the news lately. Department of Veterans Affairs (VA). This is in addition to the fee sometimes varying by product type (e.g.,

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

The Stoop (NYU Furman Center)

However, if these costs reflect distorted markets where normal price competition has been subverted, then it is absolutely appropriate and reasonable for the government to intervene and improve the situation. In 2007, the Government Accountability Office (GAO), a non-partisan research arm of Congress, studied title insurance.

Housing 59
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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)

The average guarantee fee (G-fee) of Freddie Mac and Fannie Mae, the two government-sponsored enterprises (GSEs), who currently finance about half of the nearly $13 trillion of outstanding first-lien single-family mortgages in the country, 1 is among the most closely-watched numbers by housing finance policymakers and the mortgage lending industry.

2008 52