Bert Ely, Offers and you will Financing Drama, New To the point Encyclopedia out-of Business economics, 2008, (accessed )
44″> Since 2004, new head rates so you’re able to federal taxpayers in the quality of offers and financing drama of the later mid-eighties is $124 billion, an estimate one excludes the latest 10s of huge amounts of bucks taxed so you can financially solvent representative FHLB financing and you can lender institutions from inside the federal quality.
45″> Wayne Passmore, Shane M. Sherlund, and you can Gillian Burgess, The end result of Homes Regulators-Sponsored Businesses for the Financial Costs, A home Business economics, Vol. 33, Zero. step 3 (), pp. 427463, and you may Alex Kaufman, New Determine out-of Fannie and you will Freddie to the Real estate loan Conditions, Home Business economics, Vol. 42, Zero. 2 (2014), pp. 472496.
46″> Karsten Jeske, Dirk Krueger, and you can Kurt Mitman, Casing, Mortgage Bailout Claims, in addition to Macro Savings, Preprint published to Log regarding Economic Business economics, ,
In the secondary field, Federal national mortgage association is actually licensed so you can run functions and create liquidity to possess residential mortgage loans qualified (and you may, just like the amended) beneath the National Casing Work, meaning that this activity is worried about lenders insured from the the brand new FHA and you may from the financial system mainly based getting armed forces veterans
47″> These types of reforms think that there are no qualified financial (QM) conditions, with no certified residential financial (QRM) requirements, or any other federal laws and regulations per criteria to own mortgage loans in the newest (current) old-fashioned home loan money system. […]