Fannie mae and you can Freddie Mac computer try both regulated because of the FHFA, however, there are variations in the regulatory oversight.
The brand new FHFA is created in 2008 within the Homes and you will Economic Data recovery Work (HERA) in response on the economic crisis, into the first obligation off overseeing Fannie mae, Freddie Mac computer and the Federal Home loan Finance companies (FHLBs).
One trick difference in regulatory supervision is the fact Fannie mae is susceptible to so much more limiting regulatory financing requirements than Freddie Mac. Consequently Federal national mortgage association need to hold far more money to your their balance layer to safeguard facing losses than just Freddie Mac does. Federal national mortgage association provides historically got more substantial portfolio of home loan assets than Freddie Mac computer. “Parallels Ranging from Federal national mortgage association and Freddie Mac” の続きを読む