Finance

Transferring Credit Risk on Mortgages Guaranteed by Fannie Mae or Freddie Mac CBO reviews Fannie Mae and Freddie Mac’s program to transfer some of the credit risk of their guarantees to investors and analyzes two approaches for expanding those efforts.
Finance
Options to Manage FHA’s Exposure to Risk From Guaranteeing Single-Family Mortgages CBO analyzes options to reduce FHA’s exposure to risk from its program to guarantee single-family mortgages, including creating a larger role for private lenders and restricting the availability of FHA’s guarantees.
Finance
Options to Improve the Financial Condition of the Pension Benefit Guaranty Corporation’s Multiemployer Program The pensions of some 10 million people are insured by the Pension Benefit Guaranty Corporation’s multiemployer program. CBO projects future claims on the program and losses to its beneficiaries and analyzes potential policy changes.
Finance
The Federal Role in the Financing of Multifamily Rental Properties CBO reviews the federal government’s current role in the multifamily mortgage market and four broad approaches to modifying that role.
Finance
Federal Reinsurance for Terrorism Risk: An Update The federal program that provides insurance against the risk of terrorism expired at the end of 2014. CBO has examined various options for the program and their likely effects on the private sector and on the federal government.
Finance
Transitioning to Alternative Structures for Housing Finance CBO analyzed possible transitions to four alternative market structures that involve choices about whether and how the government would continue to guarantee payment on mortgages and mortgage-backed securities.
Finance
Federal Policies and Innovation The federal government influences innovation through two broad channels: spending and tax policies, and the legal and regulatory systems. Policymakers have a number of options for spurring additional innovation.
Finance
Options to Change Interest Rates and Other Terms on Student Loans The interest rate for subsidized student loans is currently scheduled to double from 3.4 percent to 6.8 percent on July 1, 2013. What would be the budgetary impact of changing interest rates for student loans?
Finance
Modifying Mortgages Involving Fannie Mae and Freddie Mac: Options for Principal Forgiveness CBO examined three options for Fannie Mae and Freddie Mac to use principal forgiveness for certain underwater borrowers. How would those options affect the number of mortgage defaults, the federal budget, and the overall economy?
Finance
The Budgetary Cost of Fannie Mae and Freddie Mac and Options for the Future Federal Role in the Secondary Mortgage Market Testimony before the Committee on the Budget, U.S. House of Representatives
Finance
Costs and Policy Options for Federal Student Loan Programs This CBO study compares the budgetary and fair-value costs of the federal student loan programs. It also looks at several options for modifying those programs.
Finance