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Ginnie Mae Announces Document Custody Policy Reform, Risk Management Enhancement

first_imgHome / Daily Dose / Ginnie Mae Announces Document Custody Policy Reform, Risk Management Enhancement  Print This Post Ginnie Mae announced its plans on Thursday to thoroughly update program requirements and infrastructure in relation to loan documents that serve as collateral for securitized pools of loans.Ginnie Mae’s SVP of Issuer and Portfolio Management Michael Drayne said Ginnie Mae intends to engage issuers, document custodians, and other stakeholders in a dialogue about how to most effectively update the program requirements and infrastructure relating to pool collateral.“We plan to take a thoughtful approach and expect that this will be a multi-year effort,” Drayne said, noting that the government corporation will use four “guiding principles” as it undertakes a comprehensive review and reform of the policies and procedures relating to the management of pool collateral via third party document custodians.The government organization realized the need for reform after the financial crisis and the unprecedented level of Mortgage Servicing Rights (MSR) transfer requests in recent years, Drayne added.“Every one of the nine million loans in Ginnie Mae pools is secured by a collateral loan file,” Drayne said. “As our business has grown, and the ownership of so many of the underlying MSRs has changed hands since the financial crisis, it has become even more critical to ensure that our program for managing this documentation evolves to meet changing circumstances and take advantage of technological progress.”Ginnie Mae’s “Guiding Principles:”1) Policy: Current policies will be re-examined to consider whether they adequately reflect and mitigate actual risks and the current and foreseeable state of available technology.2) Integration: Document custody functions and information should be more closely integrated into Ginnie Mae’s systems.3) Loan Level: Information about the status of pool collateral should be managed at the loan level, not merely the pool level.4) Enforcement: The methods by which Ginnie Mae enforces compliance with its policies will be re-examined and harmonized with its broader practices for managing issuer relations. Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago Previous: Housing Experienced a Supply and Demand ‘Conflict’ In May, Economist Says Next: Five Takeaways from Treasury Secretary Jack Lew’s Testimony Before Congress The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Tagged with: Document Custody Policies Ginnie Mae Risk Management Securitized Loans Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Ginnie Mae Announces Document Custody Policy Reform, Risk Management Enhancement Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img About Author: Xhevrije West in Daily Dose, Featured, Government, News Xhevrije West is a talented writer and editor based in Dallas, Texas. She has worked for a number of publications including The Syracuse New Times, Dallas Flow Magazine, and Bellwethr Magazine. She completed her Bachelors at Alcorn State University and went on to complete her Masters at Syracuse University. Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Document Custody Policies Ginnie Mae Risk Management Securitized Loans 2015-06-18 Brian Honea Share Save Demand Propels Home Prices Upward 2 days ago June 18, 2015 1,308 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Subscribelast_img read more

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The 5 types of data analysis every credit union marketer should know

first_img 13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The old saying “a picture is worth a thousand words” is no less true today than it was decades ago, even though that simple picture has been replaced by myriad types of imagery. Humans are visual creatures, and many of us just absorb and understand information better when we receive data visually/graphically. That’s the fundamental premise that helps make data modeling so very useful for financial marketers.Data modeling works because it is a visual representation of quantitative data that we can use to identify, analyze, and exploit interactions between data profiles. It allows us to compare and analyze sets of data, identify correlations and make educated interpretations and predictive assumptions — all capabilities that are particularly useful in customer acquisition.In our new whitepaper, Supporting Customer Acquisition Through Data Modeling, we explain in more detail how to use data modeling to achieve marketing objectives like customer acquisition. Many of the subject areas we touch on are worth a deeper dive, so let’s take a look at how data analysis works in relation to data modeling. continue reading »last_img read more

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