Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies
The Stoop (NYU Furman Center)
MAY 31, 2023
The prior risk-based adjustment to the GSEs’ G-fees had been set about a decade ago based on historic loss statistics at that time, with some revisions implemented in 2014. However, it is very hard to argue from a public policy viewpoint that taxpayers should indeed be implicitly subsidizing those types of loans.
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