Credit Risk Retention

Date

12/24/2014

Number

RIN-2590-AA43

Group

Other

CFR

12 CFR 1234

Effective Date

Mon, 02/23/2015 - 12:00

Credit Risk Retention

FOR FURTHER INFORMATION CONTACT: Patrick J. Lawler, Associate Director and Chief Economist, Patrick.Lawler@fhfa.gov, (202) 414–3746; Austin Kelly, Associate Director for Housing Finance Research, Austin.Kelly@fhfa.gov, (202) 343–1336; Phillip Millman, Principal Capital Markets Specialist, Phillip.Millman@fhfa.gov, (202) 343–1507; or Thomas E. Joseph, Senior Attorney Advisor, Thomas.Joseph@fhfa.gov, (202) 414–3095; Federal Housing Finance Agency, Third Floor, 1700 G Street, NW., Washington, DC 20552. If you are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services. Additionally, the TDD 1-(800) number referenced in Rulemaking documents attached to this page is obsolete and the 7-1-1 number should be used.

SUMMARY: The OCC, Board, FDIC, Commission, FHFA, and HUD (the Agencies) are proposing rules to implement the credit risk retention requirements of section 15G of the Securities Exchange Act of 1934 (15 U.S.C. 78o–11), as added by section 941 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Section 15G generally requires the securitizer of asset-backed securities to retain not less than five percent of the credit risk of the assets collateralizing the asset-backed securities. Section 15G includes a variety of exemptions from these requirements, including an exemption for asset-backed securities that are collateralized exclusively by residential mortgages that qualify as "qualified residential mortgages," as such term is defined by the Agencies by rule.

DATES: Comments must be received by June 10, 2011.

Public Comments

Below are a compilation of public comments made on this publication.

252 items

CSV

Date Sort ascending	First Name	Last Name	Organization	Comment
08/01/11	John F.	Kozlowski	Ohio Credit Union League (OCUL)	Carole D. McCallister. View Comment Email: N/A Attachment: View Attachment
08/01/11	Jefferson	Duarte	Jones Graduate School of Business, Rice University	View Comment Email: N/A Attachment: View Attachment
08/01/11	Olan O.	Jones, Jr.	Eastman Credit Union (ECU)	View Comment Email: N/A Attachment: View Attachment
08/01/11	David H.	Katkov	PMI Mortgage Insurance Company	View Comment Email: N/A Attachment: View Attachment
08/01/11	Ron	Phipps	National Association of Realtors	View Comment Email: N/A Attachment: View Attachment
08/01/11	Greg	Stoeckle	Invesco Senior Secured Management, Inc.	View Comment Email: N/A Attachment: View Attachment
08/01/11	T. K.	Jones	Colorado Mortgage Lenders Association (CMLA)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Michael J.	DeFors	Michigan Credit Union League (MCUL)	View Comment Email: N/A Attachment: View Attachment
08/01/11			KPMG, LLP	View Comment Email: N/A Attachment: View Attachment
08/01/11	Lyman	Missimer	Invesco	View Comment Email: N/A Attachment: View Attachment
08/01/11	Tony M.	Edwards	National Association of Real Estate Investment Trusts (NAREIT)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Unknown		N/A	View Comment Email: N/A Attachment: View Attachment
08/01/11	Unknown		N/A	View Comment Email: N/A Attachment: View Attachment
08/01/11	Unknown		N/A	View Comment Email: N/A Attachment: View Attachment
08/01/11	Mike	Calhoun	Center for Responsible Lending (CRL)	Ellen Harnick. View Comment Email: N/A Attachment: View Attachment
08/01/11	Forrest	Cambell	N/A	View Comment Email: N/A Attachment: View Attachment
08/01/11	Janet	Murguía	National Council of La Raza (NCLR)	Hilary Shelton, NAACP. View Comment Email: N/A Attachment: View Attachment
08/01/11	Steve	Wagner	Experian North America	View Comment Email: N/A Attachment: View Attachment
08/01/11	Robert R.	Davis	American Bankers Association (ABA)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Debe	Mahoney	NeighborWorks Anchorage	View Comment Email: N/A Attachment: View Attachment
08/01/11	Tom	Deutsch	Amerian Securitization Forum (ASF)	View Comment Email: N/A Attachment: View Attachment
08/01/11	David L.	Ledford	National Association of Home Builders (NAHB)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Steven L.	Philpott	Umpqua Holdings Corporation	View Comment Email: N/A Attachment: View Attachment
08/01/11	Bruce	Marks	Neighborhood Assistance Corporation of America (NACA)	View Comment Email: N/A Attachment: View Attachment
08/01/11			American Land Title Association	American Securitization Forum; Building Owners and Managers Associatio… Email: N/A Attachment: View Attachment
08/01/11	Jon	Nomura	American Honda Finance Corporation	Ralf Edelmann, BMW US Capital, LLC; Thomas W. Reedy, Carmax Business S… Email: N/A Attachment: View Attachment
08/01/11	Susan E.	Johnson	Real Estate Services Providers Council, Inc. (RESPRO)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Bill	Himpler	American Financial Services Association (AFSA)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Luke S.	Hayden	PHH Mortgage Corporation	Richard J. Bradfield. View Comment Email: N/A Attachment: View Attachment
08/01/11	Richard J.	Dugas	PulteGroup, Inc.	View Comment Email: N/A Attachment: View Attachment
08/01/11	Richard M.	Whiting	Financial Services Roundtable	View Comment Email: N/A Attachment: View Attachment
08/01/11	Teresa Bryce	Bazemore	Radian Group, Inc.	View Comment Email: N/A Attachment: View Attachment
08/01/11	Neil	Milner	Conference of State Bank Supervisors (CSBS)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Barry	Zigas	Consumer Federation of America (CFA)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Shanna L.	Smith	National Fair Housing Alliance (NFHA)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Lisa M.	Ledbetter	Freddie Mac	View Comment Email: N/A Attachment: View Attachment
08/01/11	Kristin	Langone	Massachusetts Mortgage Bankers Association (MMBA)	View Comment Email: N/A Attachment: View Attachment
08/01/11	David	Hirschmann	U.S. Chamber of Commerce Center for Capital Markets Competitiveness	View Comment Email: N/A Attachment: View Attachment
08/01/11	Bryan J.	Andres	IPFS Corporation	View Comment Email: N/A Attachment: View Attachment
08/01/11	Elizabeth A.	Eurgubian	Independent Community Bankers of America (ICBA)	View Comment Email: N/A Attachment: View Attachment
08/01/11	David	Certner	AARP	View Comment Email: N/A Attachment: View Attachment
08/01/11	Thomas M.	Skiba	Community Associations Institute (CAI)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Max	Cook	Missouri Bankers Association (MBA)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Anne C.	Canfield	Consumer Mortgage Coalition (CMC)	View Comment Email: N/A Attachment: View Attachment
08/01/11	Jaycee	Winn	Northwest Credit Union Association	View Comment Email: N/A Attachment: View Attachment
07/30/11	Raymond	Schmidt	Select Milwaukee, Inc.	View Comment Email: N/A Attachment: View Attachment
07/29/11	Ronald L.	Phillips	Coastal Enterprises, Inc. (CEI)	View Comment Email: N/A Attachment: View Attachment
07/29/11	John H.	Dalton	Housing Policy Council, The Financial Services Roundtable	View Comment Email: N/A Attachment: View Attachment
07/29/11	Saiyid	Naqvi	PNC Financial Services Group, Inc.	View Comment Email: N/A Attachment: View Attachment
07/29/11			California Reinvestment Coalition (CRC)	Aspera Housing Inc; California Rural Legal Assistance; Consumer Action… Email: N/A Attachment: View Attachment

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