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Fannie Mae Regulations

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The Federal National Mortgage Association (FNMA) and the Federal Home Loan Mortgage Corporation (FHLMC), commonly known as Fannie Mae and Freddie Mac respectively, are government-sponsored entities (GSEs) that play an integral role in providing affordable mortgages for millions of low- and middle-income Americans. These institutions: 1) purchase mortgages that meet certain requirements from banks and other lenders that have issued loans to homebuyers 2) either keep the mortgage or package it with similar loans into a bundle called mortgage-backed securities (MBS) and 3) resell the mortgage bundle to other investors in a secondary sale while guaranteeing these mortgages despite the risk of default. With Fannie Mae and Freddie Mac owning or insuring almost half of all mortgages, there is a tremendous opportunity for the federal government to introduce regulations that aim to eliminate lead exposure in residential properties. That is, the federal government could require Fannie Mae and Freddie Mac to test and remediate sources of lead hazards in properties before they can be sold and before they are insured.

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