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

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Date Sort ascending	First Name	Last Name	Organization	Comment
11/30/12	Pat	Quinn	Illinois Office of the Governor	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Judith A.	Kennedy	National Association of Affordable Housing Lenders	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Don	Cohenour	Missouri Credit Union Association	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	John	Griffith	Center for American Progress	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	David L.	Ledford	National Association of Home Builders	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Robert	Menendez	N/A	Bill Nelson; Frank R. Lautenberg; Kirsten Gillibrand; Richard Blumenth…View Comment Email: N/A Attachment: View Attachment
11/30/12	Chris J.	Katopis	Association of Mortgage Investors	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Rebecca	Shore	Legal Services of New Jersey	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12			Civil Justice, Inc.	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	John W.	Ryan	Conference of State Bank Supervisors (CSBS)	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Manuel	Flores	Illinois Department of Financial and Professional Regulation	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Maxine	Waters	United States Congress	Barney Frank; Corrine Brown; John Conyers, Jr.; Elijah Cummings; Keith…View Comment Email: N/A Attachment: View Attachment
11/30/12	Helene	Weinstein	New York State Assembly	Annette M. Robinson, New York State Assembly. View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Barbara	Goolsby	Dellutri Law Group	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Jane M.	Azia	New York Consumer Frauds and Protection Bureau	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Garth	Rieman	National Council of State Housing Agencies (NCSHA)	View CommentView 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…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…View Comment Email: N/A Attachment: View Attachment
11/30/12	Robert E.	Rutkowski	On Behalf of the CAP Housing Team	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Luke	Martone	Credit Union National Association	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Gary	Thomas	National Association of REALTORS	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	David E.	Tucker	PHH Mortgage Corporation	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Robert R.	Davis	American Bankers Association (ABA)	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12	Mary R.	Kenney	Illinois Housing Development Authority	View CommentView Comment Email: N/A Attachment: View Attachment
11/30/12			Americans for Financial Reform	View CommentView Comment Email: N/A Attachment: View Attachment