White Papers

2019

Enterprise Use of Automated Verifications of Borrower Employment, Income, and Assets (WPR-2019-005) -
The Current Expected Credit Loss (CECL) Methodology and the Enterprises and FHLBanks (WPR-2019-004) -
The Enterprises’ Use of Recourse as a Credit Enhancement Under Their Charters (WPR-2019-003) -
An Overview of Enterprise Debt-to-Income Ratios (WPR-2019-002) -
Subprime Mortgages: Enterprise and FHFA Reporting (WPR-2019-001) -

2018

An Overview of Enterprise Appraisal Waivers (WPR-2018-006) -
Freddie Mac’s IMAGIN Pilot (WPR-2018-005) -
FHFA Letters of Instruction to the Enterprises (WPR-2018-004) -
Enterprise Counterparties: Custodial Depository Institutions (WPR-2018-003) -
Enterprise Counterparties: Mortgage Insurers (WPR-2018-002) -
Fannie Mae and Freddie Mac Purchases of Adjustable-Rate Mortgages (WPR-2018-001) -

2017

Fannie Mae and Freddie Mac in the Multifamily Market (WPR-2017-002) -
Existing Statutory Capital Requirements for Fannie Mae and Freddie Mac (WPR-2017-001) -

2016

Shale Oil Boom and Bust: Implications for the Mortgage Market (WPR-2016-003) -
Merger of the Federal Home Loan Banks of Des Moines and Seattle: FHFA's Role and Approach for Overseeing the Continuing FHLBank (WPR-2016-002) -
$1.1 Billion Increase in Expenses for Fannie Mae and Freddie Mac from 2012 through 2015: Where the Money Went (WPR-2016-001) -

2015

Cyber Security: An Overview of FHFA's Oversight of and Attention to the Enterprises' Management of Their IT Infrastructures (WPR-2015-003) -
FHFA’s Conservatorships of Fannie Mae and Freddie Mac: A Long and Complicated Journey (WPR-2015-002) -
The Continued Profitability of Fannie Mae and Freddie Mac Is Not Assured (WPR-2015-001) -

2013

Analysis of the 2012 Amendments to the Senior Preferred Stock Purchase Agreements (WPR-2013-002) -