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GSEs and the Government's Role in Housing Finance: Issues for the 113th Congress

Description: This report examines options concerning the future of the GSEs and the future government role in residential mortgage markets. Other CRS reports address related issues such as conservatorship, the GSEs' financial condition, residential mortgage markets in other nations, and affordable housing.
Date: September 13, 2013
Creator: Weiss, N. Eric
Partner: UNT Libraries Government Documents Department
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VA Housing: Guaranteed Loans, Direct Loans, and Specially Adapted Housing Grants

Description: This report discusses three types of housing assistance--the loan guaranty program, direct loan programs, and Specially Adapted Housing program-- includingg their origins, how they operate, and how they are funded. It also briefly describes a home rehabilitation pilot program designed to help veterans who have low incomes or disabilities repair or modify their homes, and has a section that discusses the default and foreclosure of VA-guaranteed loans.
Date: October 15, 2018
Creator: Perl, Libby
Partner: UNT Libraries Government Documents Department
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Housing Issues in the 110th Congress

Description: This report examines housing-related issues that have become prominent in the 110th Congress. Possibly the most visible issue is the prevalence of subprime loans and growing mortgage default and foreclosure rates. Congress has responded with numerous hearings and legislative proposals both to change the way in which the lending and home-buying industry is regulated and to assist borrowers who are facing default and foreclosure.
Date: November 1, 2007
Creator: Perl, Libby; McCarty, Maggie; Foote, Bruce E.; Boyd, Eugene; Getter, Darryl E.; Jackson, Pamela J. et al.
Partner: UNT Libraries Government Documents Department
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Selected Legislative Proposals to Reform the Housing Finance System

Description: The 113th Congress has seen several developments in the effort to reform the housing finance system. In the House, the Protecting American Taxpayers and Homeowners Act of 2013 (PATH Act; H.R. 2767) was ordered to be reported out of the House Financial Services Committee on July 24, 2013. This report will briefly explain the different approaches to housing finance reform offered by these legislative proposals, focusing on efforts to replace Fannie Mae and Freddie Mac and reform FHA. The report d… more
Date: June 11, 2014
Creator: Hoskins, Sean M.; Weiss, N. E. & Jones, Katie
Partner: UNT Libraries Government Documents Department
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FHFA's Administrative Reform of Fannie Mae, Freddie Mac, and the Housing Finance System

Description: This report discusses housing finance reform and structural changes enacted by the Federal Housing Finance Agency (FHFA), particularly in relation to government-sponsored enterprises (GSEs). It includes sections on GSEs and conservatorship; FHFA reforms broken down into information about risk-sharing transactions, a common securitization platform, and single security; and Congressional action on GSE reform.
Date: May 23, 2016
Creator: Hoskins, Sean M.
Partner: UNT Libraries Government Documents Department
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Housing and Economic Recovery Act of 2008

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.
Date: August 19, 2008
Creator: Weiss, N. E.; Getter, Darryl E.; Jickling, Mark; Keightley, Mark P. & Foote, Bruce E.
Partner: UNT Libraries Government Documents Department
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Selected Legislative Proposals to Reform the Housing Finance System

Description: This report briefly explains the different approaches to housing finance reform offered by several legislative proposals, focusing on efforts to replace Fannie Mae and Freddie Mac and to reform the Federal Housing Administration (FHA).
Date: April 7, 2014
Creator: Hoskins, Sean M.; Weiss, N. E. & Jones, Katie
Partner: UNT Libraries Government Documents Department
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VA Housing: Guaranteed Loans, Direct Loans, and Specially Adapted Housing Grants

Description: This report discusses the three types of housing assistance offered by the Veterans Administration (VA): the loan guaranty program, direct loan programs, and Specially Adapted Housing program. Each ones origins, operations, and funding methods are included. The report also has a section that discusses the default and foreclosure of VA-guaranteed loans.
Date: May 26, 2017
Creator: Perl, Libby
Partner: UNT Libraries Government Documents Department
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The Loan Limits for Government-Backed Mortgages

Description: This report contains brief program descriptions for each of the government-backed housing loan programs and discusses the maximum guarantee amounts for each. The government or quasi-government entities that insure or guarantee mortgages and are discussed in this report are the following: Fannie Mae and Freddie Mac, The Federal Housing Administration (FHA), The Department of Veteran Affairs (VA), and the U.S. Department of Agriculture's Rural Housing Service (RHS).
Date: April 27, 2017
Creator: Weiss, N. Eric; Jones, Katie; Perl, Libby & Cowan, Tadlock
Partner: UNT Libraries Government Documents Department
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Reporting Issues Under the Home Mortgage Disclosure Act

Description: This report describes current issues and recent changes to the Home Mortgage Disclosure Act (HMDA) of 1975. The report also provides a brief explanation of how recent reporting revisions may affect the reporting of loans covered by the Home Ownership and Equity Protection Act of 1994 and the Federal Housing Administration.
Date: October 24, 2008
Creator: Getter, Darryl E.
Partner: UNT Libraries Government Documents Department
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The U.S. Financial Crisis: The Global Dimension with Implications for U.S. Policy

Description: This report examines the global ramifications of the financial crisis, which exposed fundamental weaknesses in financial systems worldwide, and despite coordinated easing of monetary policy by governments and trillions of dollars in intervention by governments and the International Monetary Fund, the crisis continues.
Date: November 18, 2008
Creator: Nanto, Dick K.; Weiss, Martin A.; Jackson, James K.; Dolven, Ben; Morrison, Wayne M.; Cooper, William H. et al.
Partner: UNT Libraries Government Documents Department
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Financial Institution Insolvency: Federal Authority over Fannie Mae, Freddie Mac, and Depository Institutions

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.
Date: September 10, 2008
Creator: Carpenter, David H. & Murphy, M. M.
Partner: UNT Libraries Government Documents Department
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Housing Issues in the 113th Congress

Description: This report begins by providing an overview of the current state of housing markets (both homeownership and rental) and the mortgage market in order to provide context for the policy issues that have been active during the 113th Congress. It then provides a brief description of issues that the 113th Congress has been considering. These issues are broadly divided into two categories: issues related to homeownership and housing finance, and issues related to housing assistance for low-income hous… more
Date: July 8, 2014
Creator: Jones, Katie; Carpenter, David H.; Hoskins, Sean M.; Keightley, Mark P.; McCarty, Maggie & Weiss, N. Eric
Partner: UNT Libraries Government Documents Department
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