Аудиторская проверка деятельности Федерального Резерва США может получить поддержку в будущем Конгрессе и при республиканской администрации


В последние недели продолжается «вялотекущий скандал» связанный с получением инсайдерской информации непосредственно «из стен» ФРС для топовых менеджеров банковской группы Голдман Сакс. Якобы существуют какие-то документы которые «подтверждают» наличие «сговора» при прошлых операциях Голдман с закладными бумагами CDO, а также передачи «оперативной информации» о готовящихся действиях Феда на финансовом рынке.


Естественно, что какой-либо конкретной «доказательной базы» никто не предоставил, но попытка раскрутить эту историю была предпринята со стороны редакции газеты «Box» находящейся в штате Аризона.

По всей видимости «мизерный статус» инициатора потенциального скандала (этой самой газеты) позволил довольно быстро подавить развитие этой истории в «более широком направлении» и вроде как тема постепенно утихла.

Однако буквально на днях, «спохватились» американские конгрессмены представляющие республиканскую партию и тут же «вспомнили» о своих «обещаниях» провести тщательный аудит деятельности Федрезерва.

В прошлый раз, когда проводилось голосование в Конгрессе (в Палате Представителей) о принятии законопроекта позволяющего провести аудит Феда все республиканцы проголосовали «За» и что интересно, даже часть демократов также голосовала за одобрение проверки ФРС.



Однако дальше нижней палаты Конгресса документ не прошел, поскольку в любом случае был бы «торпедирован» в Сенате. Тем не менее, с учетом «решимости» репсубликанцев провести «тотальный аудит» ФРС и тем более, с учетом упомянутого «скандала» с Голдман Сакс, шансы на то, чтобы «протащить» такой закон в будущем, уже в новом Конгрессе, если получится «взять» обе палаты (представителей и сенат).

Судя по последним раскладам шансы для республиканцев получить контроль за Сенатом и Палатой Представителей оценивают очень высоко, и таким образом, есть вероятность (и риски для ФРС) что при новом (республиканском) Конгрессе и новом (республиканском) президенте закон об аудите могут в итоге одобрить. Насколько мы понимаем… аудит Феда действительно может «вытащить много скелетов из штата»

Комментарии (3)

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Интересно. Ценовая война на рынке нефти что ли начинается. Саудиты отпускные цены в Азию сократили, на днях видимо другие арабские страны тоже самое сделают. 

Oct. 2 (Bloomberg) — Cuts in Saudi crude OSP to Asia were at wider end of estimates as competition from Iran, Iraq, WAF and other producers rises, writes Bloomberg oil strategist Bernard Leung.
 * Other Middle East OSPs from Abu Dhabi, Kuwait and Iran,
   which typically release within days of Saudi Aramco’s
   prices, will allow buyers to compare best yield value
 * Arab Light to Asia reduced by $1 to $1.05/bbl discount;
   lowest since Dec. 2008; click here for global OSP table
   * Predicted range of reduction was 50c-$1
 * Predicted range of reduction was 50c-$1</li></ul>
 * Arab Medium cut 70c to $2.55 discount; Arab Heavy down 60c
   to $4.90 discount, both lowest since Jan 2009
 * Heavy cut only by 60c as they retain grade for new domestic
   refineries; see related Sept. 8 strategist comment
 * Chinese imports from Iran, Iraq combined now exceed Saudi
 * Sept. West African imports into Asia at 3-yr high 
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После кризиса 2008-2009 гг. и ужесточения «правил безопасности» для банков в США настолько «закрутили гайки»  с точки зрения кредитных стандартов заемщика на рынке недвижимости, что даже бывший Председатель ФРС господин Бернанке не имеет возможности рефинансировать свой ипотечный кредит.


Ипотечный кредит для Бернанке
Just how inflexible are lending standards these days? Ben Bernanke said at a conference Thursday that he’d been unable recently to refinance his mortgage. “It’s entirely possible” that lenders “may have gone a little bit too far on mortgage credit conditions,” he said at a conference in Chicago, according to Bloomberg News. But wait. Surely a man with high income, lots of equity in his home, good credit and a solid net worth must be able to get a mortgage. Mr. Bernanke stepped down as the chairman of the Federal Reserve in January and joined the Brookings Institution as a “distinguished fellow in residence.” He’s also writing a memoir and giving speeches (reportedly for hefty speaking fees). The broader point Mr. Bernanke was making isn’t that credit standards on their own are unnecessarily restrictive. Borrowers who can make a 3.5% down payment with a 650-ish credit score and two years of stable income can qualify for a loan backed by the Federal Housing Administration. Instead, the issue is one of nuance—or the lack thereof. Lenders have grown to rely heavily on automated underwriting systems and the requisite documentation of borrower incomes, the sources of their down-payment funds and anything else that’s fed into those computers to determine whether a borrower qualifies for a loan. This can result in the odd situation in which a perfectly qualified borrower might find a loan officer who’s unwilling to process a loan. Lenders have blamed their defensive underwriting postures on new regulations and on the billions of dollars in loans they’ve been forced to buy back from mortgage-finance giants Fannie Mae and Freddie Mac for violations of underwriting protocols—some are legitimate frauds, while others are the underwriting equivalent, lenders say, of foot faults. As for Mr. Bernanke, he’s refinanced the mortgage on his Capitol Hill house since he and his wife bought it in 2004 for $839,000, once in 2009 and again in 2011. Credit is no tighter now than it was then and home prices have gone up. One thing that may have changed for Mr. Bernanke besides his employment situation: His loan might be too big to qualify for government backing. The Journal reported in 2011 that he owed $672,000 on his mortgage after refinancing it that September. The refinance closed days before the conforming loan limit—the maximum amount that qualifies for backing from Fannie and Freddie—in the Washington, D.C., area dropped to $625,500, from the previous limit of $729,750. While jumbo mortgages have in some cases actually carried slightly lower interest rates over the past year than conforming loans have, they typically require more equity. If Mr. Bernanke hasn’t substantially paid down the principal on that loan, then he’d need to pay down the balance to qualify for the conforming loan. And while interest rates on 30-year, fixed-rate mortgages were lower in early 2013, in recent months they’ve been about the same as where they were the last time Mr. Bernanke refinanced. Back then, in 2011, he got a 4.25% fixed-rate mortgage.

 
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Начинается период выборов в Сенат где будет идти борьба у республиканцев за необходимые 6 мест в Сенате чтобы взять полный контроль там и соответственно взять весь Конгресс с учетом большинства в Палате Представителей

ПРО ВЫБОРЫ В СЕНАТ США В НОЯБРЕ ЭТОГО ГОДА
There are two election cycles — 2014 and 2016 — that are framing almost everything. The 2014 midterm elections are considered favorable to Republicans. President Barack Obama is in the sixth year of his presidency, his approval ratings are low and dipping, and the feeling of national discontent is palpable. House Republicans, partly by taking advantage of carefully crafted districts, are likely to expand their current 233 to 199 majority in the lower chamber (with three vacancies). Some political analysts see House GOP gains of a dozen or so seats this fall. Senate Republicans are in a close fight to retake the Senate as they battle to pick up the six seats needed to capture the majority. There is little doubt that the overall electoral landscape is kind to Senate Republicans this fall. Of the 36 Senate races on the November 4 ballot, Democrats are defending 21 seats and Republicans only 15. Moreover, of the 21 seats Democrats must defend, six are in states that Mitt Romney easily won in the 2012 presidential race and two others are in swing states. Many analysts expect Republicans to gain between four and eight Senate seats. Current polling show nine Senate races are too close to call and Democratic wins in all of those would allow them to retain their Senate majority. And as election day nears some of the races are turning in unusual directions. For example in South Dakota, the retirement of Democratic Sen. Tim Johnson has been assumed to effectively hand the seat to the Republicans. However, new polls show there is a very close four-person race, involving former Republican governor Mike Pounds, Democratic candidate Rick Weiland, and two independent candidates, including former Republican senator Larry Pressler. Democrats now say there is a scenario in which Weiland wins the South Dakota Senate seat with less than 40% of the vote. So there is considerable interest in the 2014 mid-term elections, at least among Washington's political class. But as soon as November 4 passes, the focus will immediately shift to 2016.



 
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