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Saturday, September 02, 2023 1:13:01 AM
The question that you are talking about, does not start a debate about the Capital Rule and whether it's high or low, which is what the plotters like you claim because they don't want their dividend to be kept by FnF to build capital and they are reluctant to realize that the FHFA has adopted the Basel Framework because we are heading to a Privatized Housing Finance System.
It's a Request for Input on pricing, in light of the recent LLPA changes.
The question that you are referencing to:
Should risk-based pricing be calibrated to the ERCF?
"Risk-based pricing" or LLPA, is the outcome when you calibrate the Current LTV and the credit score.
The ERCF is already calibrating the Current LTV and the credit score, in a grid to calculate the risk-weighted assets (risk-weight x 8% = Risk-Based Capital requirement, met with Total Capital)
![](http://investorshub.advfn.com/uimage/uploads/2023/9/2/hsdflFfgaWqSXkAAXLIn_(2).jpeg)
The FHFA seeks to draw a parallel between pricing and the Capital ratio, unaware that a Capital ratio is a picture of the company at a determined date, regardless of the future profitability. Then, regardless of pricing.
A picture that tells you about the financial health of the company on that day, with data taken from the Balance Sheet.
This is like Howard and others that want the Capital ratio to include the future profits.
It denotes their lack of understanding of financial concepts and photography.
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