Ginnie Mae must balance supervision with the scope of servicers’ risk

 · Op-ed: Ginnie Mae must balance supervision with the scope of servicers’ risk. Posted on May 3, 2019 by scottolson. By Scott Olson. This Op-ed appeared in National Mortgage News on February 23, 2019.

Standardised approach for risk-weighted assets – Lexology – Standardised approach for risk-weighted assets. The proposal would broaden the scope of off-balance sheet items subject to regulatory capital and would increase the credit conversion factor in.

2015 Ginnie Mae Summit Highlights CHLA – communitylender.org – Op-ed: Ginnie Mae must balance supervision with the scope of servicers’ risk. By Scott Olson This Op-ed appeared in National Mortgage News on February 23, 2019. In tightening of supervision of its smaller issuers, there are reports of Ginnie Mae not granting full commitment authority requests.

MORTGAGE-RELATED ASSETS . Capital requirements vary depending on Type of Asset . What GAO Found . Rules for capital adequacy require banks to hold a percentage of their assets as capital to act as a financial cushion to absorb unexpected losses. Under current rules, banks must hold capital equal to at least 8 percent of risk-weighted assets.

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Fannie Mae and Freddie Mac single-family loan performance data: The Fannie Mae and freddie mac data sets provide origination and performance data on a subset of these GSEs’ 30-year, fully amortizing, full documentation, single-family, conforming fixed-rate mortgages that are the predominant conforming contract type in the US. 5 This loan-level monthly panel data has detailed information on a rich array.

Gate Guard Services, L.P. v. Perez, No. 14-4585 (5th Cir. requiring Gate Guard to seek court supervision of future depositions. Likewise, Gate Guard had to seek a protective order when the agency.

In short, it would be unwise to try to stop financial innovation, but we must be more alert to its risks and. the market that individual depository institutions could service and thus their scope.

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writes, "When I saw the title ‘Ellie Mae’s outage’ I thought that perhaps it involved my. The Loan Servicing Division is comprised of Collections, Default/Foreclosure, Customer Service, Escrow,

Ginnie Mae, its inspector general, and others have pointed out that Ginnie Mae’s biggest risk is with its largest servicers – for the simple reason that risk is concentrated and large portfolios are more difficult to transfer to another servicer. So Ginnie Mae should not overreact in supervising smaller, more diversified IMBs.

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