The Federal Housing Finance Agency should work with banking regulators to make capital requirements more streamlined and keep guarantee fees paid upfront, according to the Housing Policy Council.

This would make it easier for mortgage originators to sell loans to Fannie Mae and Freddie Mac, and would also help keep down the cost of borrowing for consumers.

HPC noted that this is especially important in the current environment, where there is a lot of uncertainty around the future of the government-sponsored enterprises.

The Housing Policy Council is a nonprofit organization that represents the interests of the housing finance industry.

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