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<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-04-06-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>2590-AA43</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>201410</PUBLICATION_ID>
            <PUBLICATION_TITLE>The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>2590</CODE>
            <NAME>Federal Housing Finance Agency</NAME>
            <ACRONYM>FHFA</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Credit Risk Retention for Asset-Backed Securities </RULE_TITLE>
        <ABSTRACT><![CDATA[The Federal Housing Finance Agency (FHFA), along with the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Securities and Exchange Commission, and Department of Housing and Urban Development (the Agencies) will re-propose regulations to implement the credit risk retention requirements of section 15G of the Securities Exchange Act (15. U.S.C. sec. 78o-11), as added by section 941 of the Dodd-Frank Wall Street Reform and Consumer Protection Act.  Section 15G generally requires the securitizer of asset-backed securities to retain not less than five percent of the credit risk of the assets collateralizing the asset-backed securities.  Section 15G includes a variety of exemptions from these requirements, including an exemption for asset-backed securities that are collateralized exclusively by residential mortgages that qualify as "qualified residential mortgages," as such term is defined by the Agencies by rule.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Other Significant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Final Rule Stage</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 1234</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 4511(b)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 4526</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 4617</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>15 USC 78o-11</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>04/29/2011</TTBL_DATE>
                <FR_CITATION>76 FR 24090</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>06/10/2011</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period Extended</TTBL_ACTION>
                <TTBL_DATE>06/10/2011</TTBL_DATE>
                <FR_CITATION>76 FR 34010</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>08/01/2011</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>09/20/2013</TTBL_DATE>
                <FR_CITATION>78 FR 57928</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>10/30/2013</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Rule</TTBL_ACTION>
                <TTBL_DATE>11/00/2014</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>No</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <FURTHER_INFO_URL>www.regulations.gov; www.fhfa.gov</FURTHER_INFO_URL>
        <PUBLIC_COMMENT_URL>www.regulations.gov; www.fhfa.gov</PUBLIC_COMMENT_URL>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <RELATED_AGENCY_LIST>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>1557</CODE>
                    <NAME>Comptroller of the Currency</NAME>
                    <ACRONYM>OCC</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>7100</CODE>
                    <NAME>Federal Reserve System</NAME>
                    <ACRONYM>FRS</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>3235</CODE>
                    <NAME>Securities and Exchange Commission</NAME>
                    <ACRONYM>SEC</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>2500</CODE>
                    <NAME>Department of Housing and Urban Development</NAME>
                    <ACRONYM>HUD</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
        </RELATED_AGENCY_LIST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Thomas</FIRST_NAME>
                <LAST_NAME>Joseph</LAST_NAME>
                <MIDDLE_NAME>E.</MIDDLE_NAME>
                <TITLE>Senior Attorney-Advisor</TITLE>
                <AGENCY>
                    <CODE>2590</CODE>
                    <NAME>Federal Housing Finance Agency</NAME>
                    <ACRONYM>FHFA</ACRONYM>
                </AGENCY>
                <PHONE>202 649-3076</PHONE>
                <TDD_PHONE>800 877-8339</TDD_PHONE>
                <EMAIL>thomas.joseph@fhfa.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>400 Seventh Street SW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20219</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
