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 Collection: Congressional Research Service Reports
Fannie Mae's and Freddie Mac's Financial Problems: Frequently Asked Questions

Fannie Mae's and Freddie Mac's Financial Problems: Frequently Asked Questions

Date: September 12, 2008
Creator: Weiss, N. E.
Description: This report discusses the decision to place Fannie Mae and Freddie Mac in conservatorship and to a certain extent, the housing, mortgage, and even general financial markets.
Contributing Partner: UNT Libraries Government Documents Department
Financial Institution Insolvency: Federal Authority over Fannie Mae, Freddie Mac, and Depository Institutions

Financial Institution Insolvency: Federal Authority over Fannie Mae, Freddie Mac, and Depository Institutions

Date: September 10, 2008
Creator: Carpenter, David H. & Murphy, M. M.
Description: This report provides an overview of the U.S. credit crunch and its effect on Fannie, Freddie, Banks, and Thrifts. The report discusses the Federal Deposit Insurance Corporation (FDIC) and insolvent banks and thrifts.
Contributing Partner: UNT Libraries Government Documents Department
Flood Insurance Requirements for Stafford Act Assistance

Flood Insurance Requirements for Stafford Act Assistance

Date: September 5, 2008
Creator: Liu, Edward C.
Description: The Robert T. Stafford Disaster Relief and Emergency Assistance Act (the Stafford Act) imposes flood insurance requirements upon eligibility for disaster assistance in two general cases: (1) if the entity seeking disaster assistance has received disaster assistance in the past, or (2) if the entity seeking disaster assistance is a state or local government or private nonprofit located in a federally designated special flood hazard area (SFHA) as determined under the National Flood Insurance Act of 1968. The requirements imposed by the Stafford Act operate independently of each other, and a potential applicant for disaster assistance may fall into both categories. This report will discuss the specific requirements imposed in each situation after briefly discussing the history of flood insurance and the relevant types of disaster assistance.
Contributing Partner: UNT Libraries Government Documents Department
Payment Card Interchange Fees: An Economic Assessment

Payment Card Interchange Fees: An Economic Assessment

Date: September 3, 2008
Creator: Eubanks, Walter W.
Description: This report focuses on the Visa and MasterCard card associations, which account for three-fourths of the payment card market in the United States in 2008. The report begins with a discussion of the nontraditional structure of the payment card market. The next section is an analysis of the problem of the optimum level of payment cards to achieve the highest social welfare benefit for cardholders and merchants. The third section discusses the provisions of the Credit Card Fair Free Act of 2008. The last section discusses some implications of the analysis.
Contributing Partner: UNT Libraries Government Documents Department
H.R. 6076: Home Retention and Economic Stabilization Act of 2008

H.R. 6076: Home Retention and Economic Stabilization Act of 2008

Date: August 29, 2008
Creator: Murphy, Edward Vincent
Description: The Home Retention and Economic Stabilization Act of 2008 would defer foreclosure for eligible mortgage borrowers for up to 270 days. If passed, the bill would give extra time to some borrowers and lenders to consider alternatives to foreclosure, including traditional loss mitigation and participation in the new Federal Housing Administration (FHA) program for refinancing troubled loans. Some policymakers believe that a moratorium on foreclosures could help stabilize housing markets and alleviate problems from the subprime financial turmoil. This report explores this issue in detail and analyzes the individual aspects of the relevant legislation.
Contributing Partner: UNT Libraries Government Documents Department
Monetary Policy and the Federal Reserve: Current Policy and Conditions

Monetary Policy and the Federal Reserve: Current Policy and Conditions

Date: August 22, 2008
Creator: Labonte, Marc & Makinen, Gail E.
Description: This report discusses two of the four major responsibilities of the Federal Reserve (Fed) as the nation's central bank: execution of monetary policy and ensuring financial stability through the lender of last resort function. This report provides an overview of these mandates and activities, recent developments, and the role of Congressional oversight.
Contributing Partner: UNT Libraries Government Documents Department
Tax Credit Bonds: A Brief Explanation

Tax Credit Bonds: A Brief Explanation

Date: August 20, 2008
Creator: Maguire, Steven
Description: This report provides a brief explanation on tax credit bonds (TCBs). The first section of this report examines the mechanics of TCBs in more detail. The second section of this report analyzes the market for TCBs relative to municipal and corporate bonds.
Contributing Partner: UNT Libraries Government Documents Department
Housing and Economic Recovery Act of 2008

Housing and Economic Recovery Act of 2008

Date: August 19, 2008
Creator: Weiss, N. E.; Getter, Darryl E.; Jickling, Mark; Keightley, Mark P. & Foote, Bruce E.
Description: This report discusses the Housing and Economic Recovery Act of 2008, P.L. 110-289, which changes many laws affecting both the housing and mortgage markets. It also surveys the most important changes caused by the act.
Contributing Partner: UNT Libraries Government Documents Department
Tax Expenditures and the Federal Budget

Tax Expenditures and the Federal Budget

Date: August 19, 2008
Creator: Hungerford, Thomas L.
Description: This report discusses tax expenditures, the federal budget and the reform of the federal tax system and provides tax expenditure analysis. The perception that the federal tax system is too complex and unfair could lead to public support for tax reform. Past efforts to reform the federal tax system have included policies to rein in the use and expense of tax expenditures--the special deductions, exclusions, exemptions, and credits resulting in revenue losses.
Contributing Partner: UNT Libraries Government Documents Department
Comparing Global Influence: China's and U.S. Diplomacy, Foreign Aid, Trade, and Investment in the Developing World

Comparing Global Influence: China's and U.S. Diplomacy, Foreign Aid, Trade, and Investment in the Developing World

Date: August 15, 2008
Creator: Lum, Thomas; Blanchard, Christopher M.; Cook, Nicolas & Coipuram, Thomas, Jr.
Description: This report compares the People's Republic of China's (PRC) and U.S. projections of global influence, with an emphasis on non-coercive means or "soft power," and suggests ways to think about U.S. foreign policy options in light of China's emergence.
Contributing Partner: UNT Libraries Government Documents Department