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...statement, FDIC chairman Sheila Bair, who has seen her own suggestion of the U.S. government directly guaranteeing mortgages sidelined, called the new program "a step in the right direction" but also took it to task for not more directly addressing mortgages held in private securities. As Lockhart pointed out, mortgages owned or guaranteed by Fannie and Freddie represent less than 20% of serious delinquencies. Private label securities - those packages of mortgages that were sliced and sold to investors - represent some 60% of serious delinquencies. Lockhart made an appeal for servicers of such securities to "adopt this program as the industry...

Author: /time Magazine | Title: Fannie and Freddie Offer New Plan to Help Homeowners | 11/12/2008 | See Source »

...President Bill Clinton and he knew it, so he decided to end his campaign in style, thaw his icy relationship with the press, and start having fun. "He'd rumble back to the back of the plane, and we'd hear the laughter up in the front," remembers Sheila Burke, Dole's former chief of staff. "There was a looseness about...

Author: /time Magazine | Title: McCain Doesn't Let Up in the Final Days | 11/2/2008 | See Source »

...expect a do-over from the outgoing Administration, but not a paper-over that would rescue speculators. FDIC chief Sheila Bair has been pushing to use new loan-guarantee authority passed under the $700 billion banking bailout to adjust troubled homeowner mortgages. The plan would provide $50 billion from the government to be tapped as insurance for banks willing to adjust mortgages in a loss-sharing agreement. The FDIC would guarantee any losses on loans readjusted for homeowners who can show a 38% debt-to-income ratio, similar to what the FDIC worked...

Author: /time Magazine | Title: Is Housing Nearing the Floor? | 10/31/2008 | See Source »

...first plan, backed by FDIC chairwoman Sheila Bair, would create an incentive for banks to change the terms of troubled mortgages by guaranteeing mortgages for millions of Americans who are struggling with their house payments but are otherwise creditworthy. The plan would use up to $50 billion of the $700 billion in bailout funding approved recently by Congress and would draw on new loan-guarantee authority passed under the bill. The Federal Government would guarantee loans readjusted for homeowners who can show annual income worth 38% of the debt on their house. Under the plan, lenders would be encouraged...

Author: /time Magazine | Title: The Next Bailout: Helping Homeowners in Distress | 10/30/2008 | See Source »

...Women are uniquely vulnerable,” said the event’s moderator, Harvard Kennedy School lecturer Sheila Burke, in an interview before the discussion began. “We ought to be paying attention to these issues and there are real differences between the candidates’ policies and how they will affect women...

Author: By Victor W. Yang, CONTRIBUTING WRITER | Title: Campaign Health Advisors Square Off | 10/24/2008 | See Source »

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