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Structured Finance
Association
Dedicated to helping the economy grow by safely enabling greater credit access to industry, consumers and investors.
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SFA Conflict of Interest Resource Hub
Our SFA Conflict of Interest Resource Hub aggregates key materials to keep you informed on this critical issue, along with insights from our members to provide diverse perspectives and valuable commentary.
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Our Latest Blog
Dr. W. Scott Frame, SFA’s Chief Economist & Head of Policy, explores how U.S. banks are increasingly using synthetic securitization to allocate regulatory capital more efficiently by transferring credit risk to outside investors through the issuance of credit-linked notes. Frame outlines the economic motivations for such transactions, summarizes the two existing transactions structures, and identifies instances where the federal government mandates similar risk transfer to reduce taxpayer exposure.
Research Corner
SFA Research Corner: Trends in Consumer Credit Health Show Signs of Improvement
June 20, 2024
Consumer well-being is crucial for evaluating the risk and performance of $10 trillion of securitized products backed by consumer loans. Inflation has eroded purchasing power, leading to higher delinquencies and defaults, particularly among vulnerable borrowers.![](https://structuredfinance.org/wp-content/uploads/2024/06/Screenshot-884.png)
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Featuring
The SFA KnowledgeHub
SFA’s Research Corner beta release of the SFA KnowledgeHub, a flexible data platform created to acquaint non-members with pertinent information and provide members with swift access to vital industry data sources.
Upcoming Events
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SFVegas 2025 – Engage | Learn | Connect
SFA’s Research Symposium
SFA RMBS Symposium 2024
SFA’s 3rd Annual DEI Symposium
SFA News
More Women Are Working Than Ever. But They’re Doing Two Jobs.
More women than ever have entered the American workforce. Heavy demand for employees combined with more opportunities for remote work and a surge in female…
Mortgage Lock-In Effect Exacerbating Housing Affordability
The mortgage rate lock-in effect is exacerbating housing affordability challenges. Median home prices have risen to $419,000 in May, up from $270,000 pre-pandemic. Two thirds…
WSJ: Strain on Small and Large Banks in the CRE Sector
Differences in the performance of CRE loans are leaving the largest banks (those with more than $100 billion in assets) more exposed to distress in…
Powell Comments on Potential Re-Proposal of Basel III Regulation
In a Senate Banking Committee hearing on July 9, and followed by the House Financial Services Committee on July 10, Federal Reserve Chair Jerome Powell stated that he and…
CFPB Proposes Amendments to Regulation X on Mortgage Servicing
On July 9, the CFPB proposed updates to existing mortgage servicing regulations. These changes would make some pandemic borrower protections under the 2020 CARES Act permanent. Under…