A GSE Reform debate from the Urban Institute illustrates that collateral composition, house price experience, and diversification significantly affect credit risk, and thus the capital requirement.
Policymakers are still focusing on what comes next. All proposals appeal for private capital to take more credit risk in the market for mortgage-backed securities. So, how much private capital is enough? If capital requirements are too low, the government guarantee will be invoked too often; if they are too high, banks will shift the ultimate risk of their lower-quality loans to the government.
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Federal Programs Related to - Housing, General/Other
Programs that seek to meet the basic shelter needs of the community by providing temporary shelter for people who are in emergency situations, home improvement programs, housing location assistance and a variety of housing alternatives.
Federal Programs Related to - Housing Expense Assistance
Programs that provide immediate cash or loans for people in emergency situations who have insufficient resources to meet their housing related needs. Discounted Utility Services; Electric Bill Assistance; Electric Bills; Energy Bill Assistance; Energy Bills; FHA Loans; Gas Bill Assistance; Gas Bills; Heating Bills; Heating Fuel Bill Assistance; Home Barrier Removal Loans; Home Construction Loans; Home Financing; Home Improvement Loans; Home Loan Programs; Home Purchase Loans; House Payment Assistance; Housing Costs; Housing Down Payment Assistance; Housing Expense Reduction Support; Housing Payments Assistance; Low-Income Home Loans; Mortgage Assistance; Moving Expense Assistance; Rent Assistance; Rental Deposit Assistance; Security Deposit Assistance; Special Purpose Home Loans; Telephone Bill Assistance; Telephone Bills; Utility Bill Payment Assistance; Utility Bills; Utility Bills Assistance; VA Loans; Veteran Home Loans; Water Bill Assistance; Water Bills