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Department of the Treasury Financial Crimes Enforcement Network, Frequently Asked Questions: Anti-Money Laundering Program and Suspicious Activity Reporting Requirements for Insurance Companies, FIN-2008-G004, at 2 (March 20, 2008). Accessed: September 3, 2013, at www.fincen.gov/ statutes_regs/guidance/pdf/fin-2008-g004.pdf. Reuters, Financial Glossary: Interest Rate Swap. Accessed: September 5, 2013, at http://glossary. reuters.com/index.php?title=Interest_Rate_Swap. Government Accountability Office, “Introduction,” “Internal Control Standards,” Internal Control: Standards for Internal Control in the Federal Government, GAO/AIMD-00-21.3.1, at 4, 6, 8 (November 1999). Accessed: September 3, 2013, at www.gao.gov/special.pubs/ai00021p.pdf. Arizona State Legislature, 44-141. Joint and several liability of parties to joint obligations. Accessed: September 3, 2013, at www.azleg.gov/ FormatDocument.asp?inDoc=/ars/44/00141. htm&Title=44&DocType=ARS. Securities and Exchange Commission, Mortgage- Backed Securities. Accessed: September 3, 2013, at www.sec.gov/answers/mortgagesecurities.htm. Robert G. Morgan, Martha M. Pointer, Katherine N. Morgan, and William D. Cooper, Tennessee Society of Certified Public Accountants, “Nature and Classification of the Noncontrolling Interest in a Consolidated Statement of Financial Position,” Accounting for Noncontrolling Interests in Consolidated Financial Statements: An Explanation of FASB Statement No. 160, at 20. Accessed: September 5, 2013, at www.tscpa.com/content/files/tscpa/Journal/ articles/fasb_160.pdf. Freddie Mac, Glossary of Finance and Economic Terms. Accessed: September 3, 2013, at www.freddiemac. com/smm/n_r.htm#O. Commodity Futures Trading Commission, CFTC Glossary. Accessed: September 5, 2013, at www. cftc.gov/consumerprotection/educationcenter/ cftcglossary/glossary_o. Office of the Special Inspector General for the Troubled Asset Relief Program, “Recent Developments,” SIGTARP: Quarterly Report to Congress, at 150 (October 26, 2010). Accessed: September 3, 2013, at www.sigtarp.gov/ Quarterly%20Reports/October2010_Quarterly_ Report_to_Congress.pdf. Freddie Mac, Our Business: Single-Family Credit Guarantee Business. Accessed: September 3, 2013, at www.freddiemac.com/corporate/company_profile/ our_business/index.html. Federal Housing Finance Agency, “Introduction,” Building a New Infrastructure for the Secondary Mortgage Market, at 4 (October 4, 2012). Accessed: September 3, 2013, at www.fhfa.gov/webfiles/24572/ fhfasecuritizationwhitepaper100412final.pdf. Federal Housing Finance Agency, Senior Preferred Stock Purchase Agreement. Accessed: September 3, 2013, at www.fhfa.gov/Default.aspx?Page=364. Letter from David H. Stevens, Assistant Secretary of Housing, Department of Housing and Urban Development, to All Approved Mortgagees, FHA Refinance of Borrowers in Negative Equity Positions (August 6, 2010). Accessed: September 3, 2013, at www.hud.gov/offices/adm/hudclips/letters/ mortgagee/files/10-23ml.pdf. Freddie Mac, Glossary of Finance and Economic Terms. Accessed: September 3, 2013, at www.freddiemac. com/smm/s_z.htm#S. Freddie Mac, “Straw Buyers,” Shut the Door on Mortgage Fraud: Information on How to Avoid Mortgage Fraud, at 13, 15. Accessed: September 13, 2013, at www.freddiemac.com/singlefamily/ preventfraud/toolkit.html (scroll to “Shut the Door Semiannual Report to the Congress • April 1, 2013–September 30, 2013 79
on Mortgage Fraud,” then click “English [PPT]” under “Educational Presentation: Avoid Mortgage Fraud,” then download the Power Point file). Reuters, Financial Glossary: Swaption. Accessed: September 5, 2013, at http://glossary.reuters.com/ index.php?title=Swaption. Federal Deposit Insurance Corporation, Resolutions Handbook: Glossary, at 98. Accessed: September 3, 2013, at www.fdic.gov/bank/historical/reshandbook/ glossary.pdf. Office of the Special Inspector General for the Troubled Asset Relief Program, “Homeowner Support Programs,” SIGTARP: Quarterly Report to Congress, at 65 (January 26, 2011). Accessed: September 3, 2013, at www.sigtarp.gov/ Quarterly%20Reports/January2011_Quarterly_ Report_to_Congress.pdf. New York State Society of Certified Public Accountants, Glossary: Valuation Allowance. Accessed: September 5, 2013, at www.nysscpa.org/glossary/ term/645. 80 Federal Housing Finance Agency Office of Inspector General
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Federal Housing Finance Agency Offi
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Section 3: Lessons for Housing Fina
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OIG’s Accomplishments from 2010 t
Page 8 and 9:
A Message from the Acting Inspector
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insures mortgages against credit lo
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Semiannual Report to the Congress
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in a number of criminal and civil i
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Figure 3. Scoring of Investor Quali
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and provide for financial consequen
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Figure 5. Agreements Between Fannie
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2010 to 2012, but the attrition rat
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Figure 8. Estimated Enterprise Aggr
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operations that pose the greatest r
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poor financial condition, Appalachi
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fraud and wire fraud involving a fi
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This was a joint investigation with
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y falsified, forged, and altered do
Page 36 and 37: Short Sale Schemes A short sale occ
Page 38 and 39: This was a joint investigation with
Page 40 and 41: at Appalachian concealed past due l
Page 42 and 43: indemnification payments that OIG p
Page 44 and 45: the SEC, and others. In July 2013,
Page 46 and 47: Figure 10. Overview of the Enterpri
Page 48 and 49: Figure 12. Enterprises’ Annual Ne
Page 50 and 51: Figure 14. Home Price Index 2011 Th
Page 52 and 53: educe the principal balance of Trea
Page 54 and 55: Figure 17. FHLBanks’ Net Income f
Page 56 and 57: multifamily housing lending busines
Page 58 and 59: The bill would replace the enterpri
Page 60 and 61: mortgage credit. For its part, the
Page 62 and 63: Figure 20. Reform Models and Reform
Page 64 and 65: Multifamily We have also found indi
Page 66 and 67: Based on recent history, a reformed
Page 68 and 69: Figure 26. The Mortgage Servicing P
Page 70 and 71: Even though the FHFA senior examine
Page 72 and 73: assistance to homeowners and to use
Page 74 and 75: positive NPV, then the servicer is
Page 76 and 77: Siloed Practices: Harmonizing Busin
Page 78 and 79: Semiannual Report to the Congress
Page 80 and 81: overseen by FHFA. As conservator, F
Page 82 and 83: Interest Rate Swap: An interest rat
Page 84 and 85: References Federal Deposit Insuranc
Page 88 and 89: Acronyms and Abbreviations Agency A
Page 92 and 93: Figure 29. Summary of OIG Recommend
Page 94 and 95: No. Recommendation Report Status AU
Page 104 and 105: No. Recommendation Report Status EV
Page 114 and 115: Audit and Evaluation Reports with R
Page 116 and 117: Appendix D: OIG Reports See www.fhf
Page 118 and 119: Appendix F: Description of OIG Offi
Page 120 and 121: Strategic Goal 2—Operating with I
Page 122 and 123: Figure 17. Federal Home Loan Banks
Page 126 and 127: 15 Federal Housing Finance Agency,
Page 128 and 129: 33 Fannie Mae, “Multifamily Busin
Page 130 and 131: Federal Home Loan Banks Office of F
Page 132 and 133: to FHFA Scorecard Directive, at 48,
Page 134 and 135: it is preferable to limit our discu
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Position in the Housing Finance Sys
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144 Fannie Mae, “Comparison of Mu
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157 Id., “Mortgage Servicing,”
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184 Federal Housing Finance Agency,
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Transparency and Certainty for Lend
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