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Acronyms and Abbreviations Agency AHP APA ATSC Federal Housing Finance Agency Affordable Housing Program Administrative Procedures Act Advanced Technology Systems, Inc. Blue Book Quality Standards for Inspection and Evaluation BNC CIGFO CIGIE CRS DER BNC National Bank Council of Inspectors General on Financial Oversight Council of the Inspectors General on Integrity and Efficiency Call Report System Division of Enterprise Regulation Dodd-Frank Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 DOJ EESA Department of Justice Emergency Economic Stabilization Act of 2008 Enterprises Fannie Mae and Freddie Mac EO FDIC FDIC-OIG FHA FHFA FHLBanks FHLBank System Executive Office Federal Deposit Insurance Corporation Federal Deposit Insurance Corporation Office of Inspector General Federal Housing Administration Federal Housing Finance Agency Federal Home Loan Banks Federal Home Loan Bank System FinCEN FIRREA FMIC FSOC GAO GSEs HAMP HARP HERA HUD HUD-OIG IRS-CI LTV MBS MHA MRA MSR NPV OA OAd OC OE Financial Crimes Enforcement Network Financial Institutions Reform, Recovery and Enforcement Act of 1989 Federal Mortgage Insurance Corporation Financial Stability Oversight Council Government Accountability Office Government-Sponsored Enterprises Home Affordable Modification Program Home Affordable Refinance Program Housing and Economic Recovery Act of 2008 Department of Housing and Urban Development Department of Housing and Urban Development Office of Inspector General IRS-Criminal Investigation Loan-to-Value Mortgage-Backed Securities Making Home Affordable Matter Requiring Attention Mortgage Servicing Rights Net Present Value Office of Audits Office of Administration Office of Counsel Office of Evaluations Semiannual Report to the Congress • April 1, 2013–September 30, 2013 81
OI Office of Investigations REO Real Estate Owned OIG Federal Housing Finance Agency Office of Inspector General RMBS Residential Mortgage-Backed Securities OPOR OQA PPI PRA PSPAs Office of Policy, Oversight, and Review Office of Quality Assurance Personal Protected Information Principal Reduction Alternative Senior Preferred Stock Purchase Agreements SEC SIGTARP Treasury USPIS Yellow Book Securities and Exchange Commission Office of the Special Inspector General for the Troubled Asset Relief Program Department of the Treasury Postal Inspection Service Government Auditing Standards 82 Federal Housing Finance Agency Office of Inspector General
Page 2 and 3:
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
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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 86 and 87: Department of the Treasury Financia
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
Page 136 and 137: 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,
Page 144 and 145:
Transparency and Certainty for Lend
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