2005, 2013, 2022 and Translation - Public Administration Today

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Translation

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)

MARCH 10, 2023

Through 2013, the fee moved up strongly as part of the FHFA’s push to raise the cost of GSE mortgages in an attempt to “crowd in” more private market capital into mortgage lending. The FHFA then indicated that it ended this delay and began to employ the newer, higher capital requirement approach beginning in 2022.

2008

2008 2014 2019 Press Release

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

The Stoop (NYU Furman Center)

MAY 31, 2023

This was described on the one hand as unfair, since it relied on overcharging low-risk borrowers “who had played by all the rules” and, on the other hand, as unduly incenting bad loans at the GSEs (by charging too little for high-risk loans) in a quasi-replay of the lead up to the mortgage bubble of 2005 to 2008. percent fee.

Government

Government 2008 Housing Implementation

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

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

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