U.S. government eyes risk-sharing in housing bonds
Fannie Mae and Freddie Mac buy mortgages from lenders to
free up cash for banks to make more loans. The two companies
then repackage the loans for sale to investors as securities
and charge fees to guarantee the debt.Under the private-sector risk-sharing idea, they would
begin to issue some bonds without a federal guarantee.Investors in those securities would receive a higher
return to compensate them for the greater risk of losses,
according to the people familiar with the matter. The Wall
Street Journal first reported on the possibility on Friday.The idea is just in the concept stage. The administration
could consider a variety of ways to get investors to take on
more credit risk, one source said.The administration and housing regulators are eyeing the
possibility of using derivatives or relying on greater
mortgage insurance coverage for the loans underlying the bonds
to spur private-sector interest, according to the sources.Any final plan on investor risk sharing would require the
approval of the Federal Housing Finance Agency, which oversees
Fannie Mae and Freddie Mac.The Obama administration would like to begin testing ideas
to bring in greater private-sector involvement as early as
next year, the sources said.The approach under consideration would reduce the
long-term risk exposure of Fannie and Freddie. Together with
the Federal Housing Administration, the companies now fund
roughly 90 percent of all new U.S. mortgages.FHFA’s acting director, Edward DeMarco, said in a speech
last month that his agency is considering various alternatives
to attract private investors to the market through different
types of risk-sharing structures.