TAILIEUCHUNG - DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT: Credit Risk Retention

Credit scores, as a quantitative shorthand for credit histories, increase the potential for customized pricing of credit based on the risk an individual poses. Some argue that charging more to consumers defined as higher risk would remove some of the cost of risk carried by the general consumer population, and would allow for price reductions among consumers who pose less risk. Others argue that the savings have not been – and are unlikely to be – passed on to consumers who pose less risk, and scoring systems simply allow lenders to extract greater profits from consumers who do. | DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency 12 CFR Part 43 Docket No. OCC-2011-0002 RIN 1557-AD40 FEDERAL RESERVE SYSTEM 12 CFR Part 244 Docket No. R-1411 RIN 7100-AD70 FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 373 Docket No. 2011 - RIN 3064-AD74 . SECURITIES AND EXCHANGE COMMISSION 17 CFR Part 246 Release Nos. File No. S7-14-11 RIN 3235-AK96 FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1234 RIN 2590-AA43 DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Credit Risk Retention AGENCIES Office of the Comptroller of the Currency Treasury OCC Board of Governors of the Federal Reserve System Board Federal Deposit Insurance Corporation FDIC . Securities and Exchange Commission Commission Federal Housing Finance Agency FHFA and Department of Housing and Urban Development HUD . ACTION Proposed rule. 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. . 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. ADDRESSES Interested parties are encouraged to submit written comments jointly to all of the Agencies. Commenters are encouraged to use the title Credit Risk Retention to facilitate the organization and distribution of comments among the Agencies. Commenters are also encouraged to identify the number of the specific request for comment to which .

• Ngân hàng - Tín dụng
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