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GSE Scramble to Comply with FHFA, CFPB Changes

GSE Scramble to Comply with FHFA, CFPB Changes
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Fannie/Freddie Announce End Dates for QM Rules

Fannie/Freddie Announce End Dates for QM Rules
Apr 12 2021, 8:35AM
Both Fannie Mae and Freddie Mac (the GSEs) have
released information to their lenders confirming that
any loans they purchase
after July 1, 2021 must conform to the agreement made on their behalf in
January by the Federal Housing Finance Agency (FHFA) with the Department of
Treasury, amending the Preferred
Stock Purchase Agreement (PSPA). Although
there were several requirements in the amended PSPA designed to limit risk,
last weeks letters were specifically concerned with the new qualified mortgage
(QM) rule from the Consumer Financial Protection Bureau (CFPB). The revised PSPA
specifically prohibits the GSEs from acquiring loans that do not meet this ....

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