But if the capital rule is less stringent, there will be more of a role for crt. So I see that as likely happening going forward. Very good. Mr. Videovich, Do you believe that Fannie Mae and Freddie Mac's regulatory capital rules are sufficiently aligned with the actual credit risk characteristics of the underlying mortgages? such as loan to value ratios, borrower credit scores, debt to income ratios, and product structure? Thank you for the question. (04:20–04:41)
CLAIM
Questions the alignment of Fannie Mae and Freddie Mac's regulatory capital rules with actual credit risk characteristics.
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