這個新聞說,Fannie Mae將繼續共產下去。

本帖於 2023-04-24 10:16:45 時間, 由普通用戶 檸檬椰子汁 編輯
回答: 關於 Loan Level Price Adjustmentsslow_quick2023-04-24 09:34:31

還是被一個投資者訴訟共產的。基本上是說,Fannie Mae2008年被Federal Housing Finance Agency (08年危機後成立的接管機構)接管以後,政府占著124B的資金(是分紅還是什麽不知道)不還給股東,股東訴訟政府,說FHFA領導結構不合憲法,因為領導(原任期五年)不能被現任總統替換。他們的目的是把整個機構都劃為違憲,這樣機構不存在了政府就必須把錢還給股東了。

最高法院同意他們的說法,說領導不能被現任總統替換確實違憲。但是後果不是把整個機構都判為違憲,而是僅僅是允許現任總統替換領導,機構本身還是合法的。結果本來川普的任命可以幹五年(2019-2024),現在卻被拜登換上了一個左派領導。政府還是占著124B的資金不給股東。

現在左派領導上台,不但指示Fannie Mae調整LLPA,而且還擱置了Fannie Mae/Freddie Mac的私有化計劃。所以,不幸的是Fannie/Freddie還要繼續被共產下去。

https://slate.com/news-and-politics/2021/06/collins-yellen-supreme-court-fhfa-backfire.html

In 2016, a group of wealthy investors hatched a lawsuit to dislodge $124 billion from the United States treasury and transfer a chunk of the money to their own pockets. The investors attacked the Federal Housing Finance Agency, a powerful executive agency that regulates Fannie Mae and Freddie Mac. Their plan was to force a settlement that would enrich shareholders by transferring billions of dollars back to the mortgage giants and release them from government control.

It is difficult to overstate how badly this scheme backfired. On Wednesday, the Supreme Court affirmed the investors’ constitutional theory—then rejected their effort to claw back billions while deregulating the mortgage industry. In the process, they allowed President Joe Biden to appoint a new head of the FHFA, a progressive who will keep Fannie Mae and Freddie Mac funneling money to the government (instead of shareholders) indefinitely. The plaintiffs, in other words, did not just lose this case. They inadvertently defeated their ultimate objective, entrenching the very system they tried to topple.

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