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Mortgage Financing: Actuarial Soundness of the Federal Housing Administration's Mutual Mortgage Insurance Fund (open access)

Mortgage Financing: Actuarial Soundness of the Federal Housing Administration's Mutual Mortgage Insurance Fund

Testimony issued by the General Accounting Office with an abstract that begins "The Housing Affordability for America Act of 2002 establishes risk-based capital requirements for the Mutual Mortgage Insurance Fund of the Federal Housing Administration (FHA). Through the fund, FHA operates a single-family insurance program that helps millions of Americans buy homes. The Fund's estimated value rose dramatically in 1999, prompting proposals to spend current resources or reduce net cash flows into the Fund. The value of the Fund at the end of fiscal year 1999 was $15.8 billion. This capital ratio of 3.20 percent of the unamortized insurance-in-force exceeded the minimum required capital ratio of two percent. A two-percent capital ratio appears sufficient to withstand moderately severe economic downturns that could lead to worse-than-expected loan performance. Determining an appropriate capital ratio depends on the level of risk Congress wishes the Fund to withstand. FHA faces the failure of borrowers to perform, or credit risk, and the risk of managerial shortcomings, or operational risk. By defining the risk that the Fund must withstand, the act will define actuarial soundness and help FHA manage the Fund."
Date: April 24, 2002
Creator: United States. General Accounting Office.
Object Type: Text
System: The UNT Digital Library
Regulatory Flexibility Act: Key Terms Still Need to Be Clarified (open access)

Regulatory Flexibility Act: Key Terms Still Need to Be Clarified

Testimony issued by the General Accounting Office with an abstract that begins "The Regulatory Flexibility Act of 1980 requires federal agencies to examine the impact of their proposed and final rules on small businesses, small governmental jurisdictions, and small organizations and to solicit the ideas and comments of such entities for this purpose. Specifically, whenever agencies are required to publish a notice of proposed rulemaking, the act requires agencies to prepare an initial and a final regulatory flexibility analysis. However, those analytical requirements do not apply if the head of the agency certifies that the rule will not have a "significant economic impact on a substantial number of small entities." The Small Business Regulatory Enforcement Fairness Act of 1996 was enacted to strengthen the protections for small entities, and some of the requirements of that legislation are built on this significant impact determination. Although both of these reform initiatives have clearly affected how federal agencies regulate, their full promise has not been realized. The Regulatory Flexibility Act does not define what Congress meant by the terms "significant economic impact" and "substantial number of small entities" and does not give any entity the authority or responsibility to define them governmentwide. As …
Date: April 24, 2001
Creator: United States. General Accounting Office.
Object Type: Text
System: The UNT Digital Library
Combating Terrorism: Observations on Options to Improve the Federal Response (open access)

Combating Terrorism: Observations on Options to Improve the Federal Response

Testimony issued by the General Accounting Office with an abstract that begins "This testimony discusses three bills that would change the overall leadership and management of programs to combat terrorism. The three bills--H.R. 525, H.R. 1158, and H.R. 1292--vary in scope. H.R. 525 focuses on federal programs to prepare state and local governments for domestic terrorist attacks. Both H.R. 1158 and H.R. 1292 focus on the larger issue of homeland security, which includes terrorism and additional threats such as military attacks. The bills are similar in that they all advocate a single focal point for programs to combat terrorism. However, some bills place the focal point in the Executive Office of the President and others place it with a lead executive agency. In addition, the three bills provide the focal point with different, but often similar, duties to improve the management of federal programs. To the extent that these three bills--or some hybrid of them--address these problem areas, GAO believes that federal programs to combat terrorism will be improved. It will be important to develop a consensus on these matters and provide the focal point with legitimacy and authority through legislation are important tasks that lie ahead."
Date: April 24, 2001
Creator: United States. General Accounting Office.
Object Type: Text
System: The UNT Digital Library

[Photograph 2012.201.B0134.0614]

Caption: "The Faludis, Hungary's pyramiding quintet, begin a tense climb to the top." Three acrobats standing on one another's shoulders with two other acrobats spot them.
Date: April 24, 1969
Creator: Hill, Ron
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0137.0761]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "Overshadowed by Ponca City's Pioneer Woman statue , 13-month -old Calie Marie Coatney came dressed for the occasion when the 30th anniversary of the monument's dedication was commemorated..."
Date: April 24, 1978
Creator: unknown
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0140.0104]

Photograph used for a newspaper owned by the Oklahoma Publishing Company. Caption: "Kelly Collins has been selected as the new model for Zena jeans."
Date: April 24, 1980
Creator: Albright, Bob
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0138.0630]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "Jones catcher Richard Coffey and Okarche's Jim Wiewel at plate as Jones defeated the visitors 6-0 .."
Date: April 24, 1981
Creator: McDaniel, David
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0172.0529]

Photograph used for a story in the Daily Oklahoman newspaper. Caption: "Several youths put Hafer park's playground equipment to good use."
Date: April 24, 1993
Creator: Sisney, Steve
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0158.0588]

Photograph used for a story in the Daily Oklahoman newspaper. Caption: "Kaiser Elementary fourth-grader Michael Deloney, 10, wanted to know, so he made a working model of a water treatment plant for Science Expo '90."
Date: April 24, 1990
Creator: Klock, Roger
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0134.0795]

Photograph used for a newspaper owned by the Oklahoma Publishing Company. Caption: "Movers had eight tons of work on their hands today, installing a 12-foot statue by Norman artist Mac Honrnecker on the Civic Center Mall for the city's fine arts festival next week."
Date: April 24, 1971
Creator: Taylor, Robert
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0144.0248]

Photograph used for a story in the Daily Oklahoman newspaper. Caption: "Linda Haneborg, left serves up lunch to City Council members Marge Feighny, Jack Cornett and Jim Scott."
Date: April 24, 1984
Creator: Beckel, Jim
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0150.0355]

Photograph used for a story in the Daily Oklahoman newspaper. Caption: "Jeremy Eaton of Cashion believes agriscience and biotechnology projects though in the F F A program will benefit both food production and ecology -- "things like the right fertilizer, that will not only help the crop yield but will result in not as much fertilizer and not having as much runoff."
Date: April 24, 1990
Creator: Argo, Jim
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0149.0950]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "Business and political leaders from across the state jam hotel ballroom for day-long anti-poverty talks."
Date: April 24, 1965
Creator: Albright, Bob
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0155.0573]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "A slowdown interval, plus more imported cars, has caused all four Oklahoma tire-making plants to lay off personnel."
Date: April 24, 1980
Creator: McDaniel, David
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0171.0328]

Photograph used for a newspaper owned by the Oklahoma Publishing Company.
Date: April 24, 1964
Creator: unknown
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0158.0309]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "Some of the Townsend Twisters sit proudly among just a few of the trophies the tumbling and trampoline team brought home from a state meet."
Date: April 24, 1978
Creator: Vahlberg, Bob
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0172.0417]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "A sign in front of the Library Pub, 13 N University, protests city code enforcement action taken against the tavern."
Date: April 24, 1981
Creator: unknown
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0134.0794]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "Civic Center, Statue"
Date: April 24, 1971
Creator: Taylor, Robert
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0147.0036]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "D. R. and his wife, Lillie, munch on a noontime meal at McHenry's"
Date: April 24, 1979
Creator: Vahlberg, Bob
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0166.0119]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "With wounded officer's cruiser in background, investigators confer search today."
Date: April 24, 1979
Creator: Klock, Roger
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0148.0141]

Photograph used for a story in the Oklahoma Times newspaper.
Date: April 24, 1975
Creator: Miller, Joe
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0135.0784]

Photograph used for a story in the Oklahoma Times newspaper. Caption: "Mary Clark, First Class Girl Scout"
Date: April 24, 1975
Creator: Miller, Joe
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0146.0019]

Photograph used for a story in the Daily Oklahoman newspaper. Caption: "Ralph Courtney, left, and his son Randy visit with southside Rep. Ben Brown."
Date: April 24, 1984
Creator: McDaniel, David
Object Type: Photograph
System: The Gateway to Oklahoma History

[Photograph 2012.201.B0141.0385]

Photograph used for a newspaper owned by the Oklahoma Publishing Company. Caption: "Una Conover, left, Barbara Naranche, director for field services, Redland Corinal Girl Scouts."
Date: April 24, 1986
Creator: Klock, Roger
Object Type: Photograph
System: The Gateway to Oklahoma History