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Deborah B. (United States of America)
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Full list of words from this list:

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  1. mortgage-backed security
    a security created when a group of mortgages are gathered together and bonds are sold to other institutions or the public; investors receive a portion of the interest payments on the mortgages as well as the principal payments; usually guaranteed by the government
    The Corker-Warner plan creates a government insurance operation, similar to the Federal Deposit Insurance Corporation, that would insure mortgage-backed securities.
  2. oligopoly
    a market in which a few producers control a commodity
    We’ve also learned that having an oligopoly of giant banks controlling the mortgage market leads to higher rates.
  3. fine-tune
    make fine adjustments or divide into marked intervals for optimal measuring
    There’s reason to be skeptical that Congress will succeed in fine-tuning all of this.
  4. Federal Deposit Insurance Corporation
    a federally sponsored corporation that insures accounts in national banks and other qualified institutions
    The Corker-Warner plan creates a government insurance operation, similar to the Federal Deposit Insurance Corporation, that would insure mortgage-backed securities.
  5. investor
    someone who commits capital to gain financial returns
    The hope is that a thousand flowers will bloom on their graves, as private investors rush in to finance mortgages.
  6. Freddie Mac
    a corporation authorized by Congress to provide a secondary market for residential mortgages
    Nearly five years after the government took over the mortgage giants Fannie Mae and Freddie Mac, Congress is slouching toward remaking how Americans buy homes.
  7. Fannie Mae
    a federally chartered corporation that purchases mortgages
    Nearly five years after the government took over the mortgage giants Fannie Mae and Freddie Mac, Congress is slouching toward remaking how Americans buy homes.
  8. gravitate
    move toward
    Typically, businesses will gravitate to the most lenient agency and the one requiring the least capital.
  9. foreclose
    keep from happening or arising; make impossible
    We have learned, for example, that the mortgage servicers have been unholy disasters, foreclosing on homeowners incorrectly, fighting principal reduction and dragging their feet on mortgage modifications that would have helped people stay in their homes.
  10. liquidity
    the state in which a substance exhibits a readiness to flow
    Private investors will need to have enough incentive to buy the securities (or, to use the jargon, there will need to be adequate liquidity in the market).
  11. fixation
    the act of fastening something firmly in position
    But in their fixation with solving Fannie and Freddie, the current Washington efforts give these important issues short shrift.
  12. shrift
    the act of being shriven
    But in their fixation with solving Fannie and Freddie, the current Washington efforts give these important issues short shrift.
  13. restructure
    construct or form anew or provide with a new structure
    The argument, forwarded by the banker James E. Millstein, who served as the chief restructuring officer in President Obama’s Treasury Department, is that they can be fixed.
  14. bail out
    remove water from a boat by throwing it over the side
    Taxpayers would not have to bail out those investors should things go south.
  15. insurer
    a financial institution that sells insurance
    If the Corker-Warner proposal were to go through, the private companies that have pole position would be the private mortgage insurers.
  16. downturn
    a worsening of business or economic activity
    But it’s a number that will probably create big problems when housing goes into a downturn.
Created on 六月 12, 2013

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