State-Level Guarantee Fee Pricing

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: 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

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

60 items

CSV

Date Sort ascending	First Name	Last Name	Organization	Comment
11/30/12			New Yorkers for Responsible Lending (NYRL) coalition	View Comment Email: N/A Attachment: View Attachment
11/30/12	Don	Cohenour	Missouri Credit Union Association	View Comment Email: N/A Attachment: View Attachment
11/30/12			Civil Justice, Inc.	View Comment Email: N/A Attachment: View Attachment
11/30/12	Garth	Rieman	National Council of State Housing Agencies (NCSHA)	View Comment Email: N/A Attachment: View Attachment
11/30/12	Robert R.	Davis	American Bankers Association (ABA)	View Comment Email: N/A Attachment: View Attachment
11/30/12	David H.	Stevens	Mortgage Bankers Association (MBA)	View Comment Email: N/A Attachment: View Attachment
11/30/12	Eric	Chatman	Connecticut Housing Finance Authority (CHFA)	View Comment Email: N/A Attachment: View Attachment
11/30/12			N/A	View Comment Email: N/A Attachment: View Attachment
11/30/12	Marceline	White	Maryland Consumer Rights Coalition (MCRC)	View Comment Email: N/A Attachment: View Attachment
11/30/12	John	Griffith	Center for American Progress	View Comment Email: N/A Attachment: View Attachment
11/30/12	John W.	Ryan	Conference of State Bank Supervisors (CSBS)	View Comment Email: N/A Attachment: View Attachment
11/30/12	Carla	Dickstein	Coastal Enterprises, Inc.	Chet Randall, Esq., Pine Tree Legal Assistance; Thomas A. Cox, Esq., M… Email: N/A Attachment: View Attachment
11/30/12	Mary R.	Kenney	Illinois Housing Development Authority	View Comment Email: N/A Attachment: View Attachment
11/30/12	Jeff	Atwater	Florida Department of Financial Services	View Comment Email: N/A Attachment: View Attachment
11/30/12	Brad R.	Bergmooser	Illinois Credit Union League	View Comment Email: N/A Attachment: View Attachment
11/30/12	Michael A.	Livermore	Institute for Policy Integrity, New York University School of Law	Denise A. Grab, Institute for Policy Integrity, New York University Sc… Email: N/A Attachment: View Attachment
11/30/12	Benjamin	Lawsky	New York State Department of Financial Services	View Comment Email: N/A Attachment: View Attachment
11/30/12	David L.	Ledford	National Association of Home Builders	View Comment Email: N/A Attachment: View Attachment
11/30/12	Manuel	Flores	Illinois Department of Financial and Professional Regulation	View Comment Email: N/A Attachment: View Attachment
11/30/12	Ken	Inadomi	New York Mortgage Coalition	Benjamin Dulchin, Association for Neighborhood and Housing Development… Email: N/A Attachment: View Attachment
11/30/12			Americans for Financial Reform	View Comment Email: N/A Attachment: View Attachment
11/30/12	Charles	Schumer	N/A	Kirsten Gillibrand, United States Senate; Carolyn B. Maloney, United S… Email: N/A Attachment: View Attachment
11/30/12	Richard	Blumenthal	United States Senate	Joseph I l. Lieberman, United States Senate; John B. Larson, United St… Email: N/A Attachment: View Attachment
11/30/12	Peter T.	King	N/A	View Comment Email: N/A Attachment: View Attachment
11/30/12	Robert E.	Rutkowski	N/A	View Comment Email: N/A Attachment: View Attachment
11/30/12	Robert	Menendez	N/A	Bill Nelson; Frank R. Lautenberg; Kirsten Gillibrand; Richard Blumenth… Email: N/A Attachment: View Attachment
11/30/12	Maxine	Waters	United States Congress	Barney Frank; Corrine Brown; John Conyers, Jr.; Elijah Cummings; Keith… Email: N/A Attachment: View Attachment
11/30/12	Robert E.	Rutkowski	On Behalf of the CAP Housing Team	View Comment Email: N/A Attachment: View Attachment
11/30/12	Stephen P.	Auger	Florida Housing Finance Corporation	View Comment Email: N/A Attachment: View Attachment
11/30/12	Lisa	Madigan	Illinois Office of the Attorney General	George Jepsen, Connecticut Office of the Attorney General; Eric Schnei… Email: N/A Attachment: View Attachment
11/30/12	Mark	Ladov	Brennan Center for Justice	Matthew Menendez, Brennan Center for Justice; Arielle Cohen, National… Email: N/A Attachment: View Attachment
11/30/12	Helene	Weinstein	New York State Assembly	Annette M. Robinson, New York State Assembly. View Comment Email: N/A Attachment: View Attachment
11/30/12	Luke	Martone	Credit Union National Association	View Comment Email: N/A Attachment: View Attachment
11/30/12	Adam J.	Levitin	Harvard Law School	Alan White, CUNY School of Law; Elizabeth Renuart, Albany Law School.… Email: N/A Attachment: View Attachment
11/30/12	John	Peden	Navy Federal Credit Union	View Comment Email: N/A Attachment: View Attachment
11/30/12	Alan M.	White	CUNY School of Law	View Comment Email: N/A Attachment: View Attachment
11/30/12	Carrie	Hunt	National Association of Federal Credit Unions	View Comment Email: N/A Attachment: View Attachment
11/30/12	Pat	Quinn	Illinois Office of the Governor	View Comment Email: N/A Attachment: View Attachment
11/30/12	Chris J.	Katopis	Association of Mortgage Investors	View Comment Email: N/A Attachment: View Attachment
11/30/12	Barbara	Goolsby	Dellutri Law Group	View Comment Email: N/A Attachment: View Attachment
11/30/12	Gary	Thomas	National Association of REALTORS	View Comment Email: N/A Attachment: View Attachment
11/30/12	Elissa T.	Wright	State of Connecticut General Assembly	Andrew M. Maynard, State of Connecticut General Assembly. View Comment Email: N/A Attachment: View Attachment
11/30/12	George C.	Jepsen	Connecticut Office of the Attorney General	View Comment Email: N/A Attachment: View Attachment
11/30/12	Jeffrey	Gentes	Connecticut Fair Housing Center	View Comment Email: N/A Attachment: View Attachment
11/30/12	David E.	Tucker	PHH Mortgage Corporation	View Comment Email: N/A Attachment: View Attachment
11/30/12	Jane M.	Azia	New York Consumer Frauds and Protection Bureau	View Comment Email: N/A Attachment: View Attachment
11/30/12	Rebecca	Shore	Legal Services of New Jersey	View Comment Email: N/A Attachment: View Attachment
11/30/12	Judith A.	Kennedy	National Association of Affordable Housing Lenders	View Comment Email: N/A Attachment: View Attachment
11/30/12	Ellen	Taverna	National Association of Consumer Advocates (NACA)	View Comment Email: N/A Attachment: View Attachment
11/30/12	Chris	Estes	National Housing Conference	View Comment Email: N/A Attachment: View Attachment