2005, 2014 and Public Policy - Public Administration Today

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2005

2014

Public Policy

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

percent) in 2014, after having been purposefully increased by the FHFA and the two GSEs in prior years. As such a higher G-fee has not yet been seen, it creates a major policy uncertainty overhanging the mortgage lending system – is a big G-fee increase inevitably coming? taxpaying public. percent to 0.49 percent to 0.49

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.

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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