Reforming Fannie Mae and Freddie Mac: hearing before the Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises of the Committee on Financial Services, U.S. House of Representatives, One Hundred Seventh Congress, first session, July 11, 2001
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activities affordable housing American banks basis points believe benefits to consumers BENTSEN bill billion borrowers CARNELL CBO study CBO's Chairman BAKER charter Committee concems conforming loan conforming mortgage Congress Congressional Congressional charter cost DELK depositories economy estimate families Fannie and Freddie Fannie Mae Federal Reserve financial institutions fixed-rate FM Watch Freddie Mac funding advantage going govemment Government GOVERNMENT SPONSORED ENTERPRISES hearing HINOJOSA Hispanic HMDA home ownership rates homebuyers homeowners housing finance system housing goals housing GSEs HOWARD income increase interest rates investors issue jumbo loans Kanjorski legislation long-term debt look low-income Mac and Fannie Mac's Mae and Freddie Mae's Miller minority mission mortgage rates National OFHEO oversight PAIGE percent purchases question REALTORS regulator regulatory structure risk risk-based capital ROTHSCHILD safety and soundness secondary mortgage market sector securities spread statement Subcommittee subsidy taxpayers Thank too-big-to-fail Treasury