The Present Condition And Future Status Of Fannie Mae And Freddie Mac

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The Present Condition and Future Status of Fannie Mae and Freddie Mac

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Publisher : Unknown
Page : 320 pages
File Size : 51,5 Mb
Release : 2009
Category : Business & Economics
ISBN : PURD:32754081169645

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The Present Condition and Future Status of Fannie Mae and Freddie Mac by United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises Pdf

The Present Condition and Future Status of Fannie Mae and Freddie Mac

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Publisher : Unknown
Page : 316 pages
File Size : 49,5 Mb
Release : 2009
Category : Business & Economics
ISBN : UOM:39015090417695

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The Present Condition and Future Status of Fannie Mae and Freddie Mac by United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises Pdf

Guaranteed to Fail

Author : Viral V. Acharya,Matthew Richardson,Stijn van Nieuwerburgh,Lawrence J. White
Publisher : Princeton University Press
Page : 233 pages
File Size : 47,8 Mb
Release : 2011-03-14
Category : Business & Economics
ISBN : 9781400838097

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Guaranteed to Fail by Viral V. Acharya,Matthew Richardson,Stijn van Nieuwerburgh,Lawrence J. White Pdf

Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.

Fannie Mae and Freddie Mac

Author : Oonagh McDonald
Publisher : A&C Black
Page : 494 pages
File Size : 47,8 Mb
Release : 2013-07-18
Category : Business & Economics
ISBN : 9781780935232

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Fannie Mae and Freddie Mac by Oonagh McDonald Pdf

The book demonstrates how politicians and federal agencies dominated Fannie Mae and Freddie Mac and took just thirteen years to wreck the American dream of home ownership.

Fannie Mae and Freddie Mac

Author : Gene L. Dodaro
Publisher : DIANE Publishing
Page : 73 pages
File Size : 50,7 Mb
Release : 2010-10
Category : Law
ISBN : 9781437922127

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Fannie Mae and Freddie Mac by Gene L. Dodaro Pdf

Congress estab. Fannie Mae and Freddie Mac (the enterprises) with 2 key housing missions: (1) provide stability in the secondary market for residential mortgages; and (2) serve the mortgage credit needs of targeted groups such as low-income borrowers. To accomplish these goals, the enterprises issued debt and stock, and purchased mortgages from lenders with the proceeds. On Sept. 6, 2008, the Fed. Housing Finance Agency placed the enterprises into conservatorship out of concern that their deteriorating financial condition would destabilize the financial system. This report discusses the enterprises' performance in meeting mission requirements, identifies and analyzes options to revise their structures, and discusses key transition issues. Illus.

Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market

Author : Deborah Lucas,United States. Congressional Budget Office
Publisher : United States Congress
Page : 80 pages
File Size : 50,5 Mb
Release : 2010
Category : Business & Economics
ISBN : UCSD:31822037818036

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Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market by Deborah Lucas,United States. Congressional Budget Office Pdf

Report on the Activity of the Committee on Financial Services for the ... Congress

Author : United States. Congress. House. Committee on Financial Services
Publisher : Unknown
Page : 256 pages
File Size : 40,7 Mb
Release : 2011
Category : Electronic
ISBN : UCR:31210023151739

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Report on the Activity of the Committee on Financial Services for the ... Congress by United States. Congress. House. Committee on Financial Services Pdf

The Role of Fannie Mae and Freddie Mac in the Financial Crisis

Author : United States. Congress. House. Committee on Oversight and Government Reform
Publisher : Unknown
Page : 356 pages
File Size : 55,9 Mb
Release : 2009
Category : Business & Economics
ISBN : UOM:39015089031333

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The Role of Fannie Mae and Freddie Mac in the Financial Crisis by United States. Congress. House. Committee on Oversight and Government Reform Pdf

Privatization of Fannie Mae and Freddie Mac

Author : Harold L. Bunce
Publisher : DIANE Publishing
Page : 234 pages
File Size : 51,8 Mb
Release : 1997
Category : Mortgage loans
ISBN : 0788137549

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Privatization of Fannie Mae and Freddie Mac by Harold L. Bunce Pdf

This report demonstrates that a significant proportion of prospective homeowners remains underserved by the mortgage finance industry. The report reviews and evaluates the framework of housing goals that has been established by Fannie Mae and Freddie Mac. It finds that the housing goals represent a promising approach to focusing their resources on the mortgage credit needs of homebuyers. Such a programmatic emphasis by these enterprises represents an appropriate exchange for the benefits that they receive through their ties with the Federal government.

Shaky Ground

Author : Bethany McLean
Publisher : Unknown
Page : 159 pages
File Size : 49,8 Mb
Release : 2015
Category : Business & Economics
ISBN : 0990976300

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Shaky Ground by Bethany McLean Pdf

In a way, the situation is ironic: housing was at the root of the financial crisis, and six years after the meltdown, housing finance is still the greatest unsolved issue. The U.S. housing market is roughly $10 trillion, making it one of the largest segments of the bond market. Roughly 70 percent of the American population has a mortgage, and for most people, the mortgage is the most important financial instrument in their lives. But until the financial crisis, few people knew the essential role that Fannie Mae and Freddie Mac play in their mortgages. Given the $188 billion government bailout of the two firms the most expensive bailout in history the politics surrounding housing are worse than they've ever been, and the two gigantic firms sit in limbo. Best-selling investigative journalist Bethany McLean, the coauthor of The Smartest Guys in the Room andAll the Devils Are Here, explains why the situation is dangerous and unsustainable, and proposes a few solutions from the perfect, but politically unfeasible to the doable, but ugly.

Where Credit is Due

Author : John Powell,Christy Rogers
Publisher : University Press of America
Page : 403 pages
File Size : 42,5 Mb
Release : 2013-11-21
Category : Business & Economics
ISBN : 9780761856078

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Where Credit is Due by John Powell,Christy Rogers Pdf

While much recent attention has been focused on the subprime lending and foreclosure crisis, little has been said about its radically-disparate impact. Drawing upon history as well as insight into the current crisis, this book shows that this crisis is not an anomaly, especially for people of color; nor is it over. People of color have been excluded from wealth-building opportunities via homeownership continuously throughout United States history, from the outright denial of credit and residential racial discrimination, to federally-sponsored urban renewal programs. The subprime lending and foreclosure crisis is predicted to strip a quarter of a trillion dollars in wealth from black and Latino homeowners. It has reversed home ownership gains for people of color and has decimated neighborhoods across the United States while impacting local, regional, national, and international economies. The consequences are devastating. This collection of essays provides a framework for creating equitable policy and ultimately building more stable communities for all Americans.

The Financial Crisis of Our Time

Author : Robert W. Kolb
Publisher : Oxford University Press
Page : 424 pages
File Size : 55,5 Mb
Release : 2011-01-28
Category : Business & Economics
ISBN : 9780199781300

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The Financial Crisis of Our Time by Robert W. Kolb Pdf

In 2006 residential real estate prices peaked and started to fall, then threatened the world's financial institutions in 2007, and confronted the global economy with disaster in 2008. In the past few years, millions of people have lost very substantial portions of their wealth. And while the markets have rebounded considerably, they are still far from a full recovery. Now, professional economists, policy experts, public intellectuals, and the public at large are all struggling to understand the crisis that has engulfed us. In The Financial Crisis of Our Time, Robert W. Kolb provides an essential, comprehensive review of the context within which these events unfolded, arguing that while the crisis had no single cause, housing finance played a central role, and that to understand what happened, one must comprehend the mechanism by which the housing industry came into crisis. Kolb offers a history of the housing finance system as it developed throughout the twentieth century, and especially in the period from 1990 to 2006, showing how the originate-to-distribute model of mortgage financing presented market participants with a "clockwork of perverse incentives." In this system, various participants-simply by pursuing their narrow personal interests-participated in an elaborate mechanism that led to disaster. The book then gives a narrative of the crisis as it developed and analyzes all of the participants in the housing market, from the home buyers to investors in collaterialized debt obligations (CDOs). At each step, the book explains in a nontechnical manner the essential relationships among the market participants and zeroes in on the incentives facing each party. The book also includes an extensive glossary and a detailed, authoritative timeline of the subprime financial crisis. Offering a unique look at the participants and incentives within the housing finance industry and its role in the biggest financial catastrophe in recent history, Robert W. Kolb provides one of the most comprehensive and illuminating accounts of the events that will be studied for decades to come as the financial crisis of our time.

Congressional Record, Daily Digest of the ... Congress

Author : United States. Congress
Publisher : Unknown
Page : 802 pages
File Size : 44,5 Mb
Release : 2009
Category : United States
ISBN : UCLA:L0106355654

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Congressional Record, Daily Digest of the ... Congress by United States. Congress Pdf

Congressional Record

Author : United States. Congress
Publisher : Unknown
Page : 804 pages
File Size : 48,5 Mb
Release : 2009
Category : Law
ISBN : OSU:32437123423267

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Congressional Record by United States. Congress Pdf

The Congressional Record is the official record of the proceedings and debates of the United States Congress. It is published daily when Congress is in session. The Congressional Record began publication in 1873. Debates for sessions prior to 1873 are recorded in The Debates and Proceedings in the Congress of the United States (1789-1824), the Register of Debates in Congress (1824-1837), and the Congressional Globe (1833-1873)

Foreclosed

Author : Daniel Immergluck
Publisher : Cornell University Press
Page : 237 pages
File Size : 49,7 Mb
Release : 2009
Category : Business & Economics
ISBN : 9780801447723

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Foreclosed by Daniel Immergluck Pdf

Foreclosed explains the rise of high-risk lending in the 1990s and early 200s and why these newer types of loans--and their associated regulatory infrastructure--failed in substantial ways, leading to the economic collapse of 2008.