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Notice Details
Type
Public Input Notice
Number
2012-N-13
Group
Fannie Mae
Freddie Mac
Federal Register Publish Date
09/25/2012
Effective Date
09/25/2012
Federal Register Citation
Comment Status
Closed
Comment Open Date
09/25/2012
Comment End Date
10/25/2012

State-Level Guarantee Fee Pricing

Contact Information

FOR FURTHER INFORMATION CONTACT: Communications may be addressed to FHFA OPAR, 400 Seventh Street SW., Ninth Floor, Washington, DC 20024, or emailed to gfeeinput@fhfa.gov. Communications to FHFA may be made public and would include any personal information provided.

Summary

SUMMARY: The Federal Housing Finance Agency (FHFA) oversees the operations of Fannie Mae and Freddie Mac ("the Enterprises''). The Enterprises are in conservatorships, and, as Conservator, FHFA has statutory obligations in its conduct of the conservatorships, including preserving and conserving assets. Though the Enterprises are congressionally chartered and federally supervised and regulated, state laws and practices can have a significant impact on their loan default costs.

This Notice sets forth an approach to adjust the guarantee fees ("g-fees'') that the Enterprises charge for mortgages that finance properties with one to four units ("single-family mortgages'') in certain states to recover a portion of the exceptionally high costs that the Enterprises incur in cases of mortgage default in those states.

Public Comments people-icon

Below are a compilation of public comments made on this notice.

60 items
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Date First Name Last Name Organization Comment
11/30/12 N/A
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11/30/12 Americans for Financial Reform
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11/30/12 Civil Justice, Inc.
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11/30/12 New Yorkers for Responsible Lending (NYRL) coalition
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11/30/12 Adam J. Levitin Harvard Law School
Alan White, CUNY School of Law; Elizabeth Renuart, Albany Law School.…
Email: N/A
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11/30/12 Alan M. White CUNY School of Law
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Email: N/A
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11/30/12 Barbara Goolsby Dellutri Law Group
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11/30/12 Benjamin Lawsky New York State Department of Financial Services
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11/30/12 Brad R. Bergmooser Illinois Credit Union League
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11/30/12 Carla Dickstein Coastal Enterprises, Inc.
Chet Randall, Esq., Pine Tree Legal Assistance; Thomas A. Cox, Esq., M…
Email: N/A
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11/30/12 Carrie Hunt National Association of Federal Credit Unions
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Email: N/A
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11/30/12 Charles Schumer N/A
Kirsten Gillibrand, United States Senate; Carolyn B. Maloney, United S…
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11/30/12 Chris Estes National Housing Conference
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Email: N/A
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11/30/12 Chris J. Katopis Association of Mortgage Investors
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Email: N/A
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11/30/12 David E. Tucker PHH Mortgage Corporation
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Email: N/A
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11/30/12 David H. Stevens Mortgage Bankers Association (MBA)
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Email: N/A
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11/30/12 David L. Ledford National Association of Home Builders
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11/30/12 Don Cohenour Missouri Credit Union Association
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11/30/12 Ed Casanova Aerospace Federal Credit Union
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11/30/12 Elissa T. Wright State of Connecticut General Assembly
Andrew M. Maynard, State of Connecticut General Assembly. View Comment
Email: N/A
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11/30/12 Ellen Taverna National Association of Consumer Advocates (NACA)
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Email: N/A
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11/30/12 Eric Chatman Connecticut Housing Finance Authority (CHFA)
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11/30/12 Garth Rieman National Council of State Housing Agencies (NCSHA)
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11/30/12 Gary Thomas National Association of REALTORS
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11/30/12 George C. Jepsen Connecticut Office of the Attorney General
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