That has always been the case since Fannie and Freddie entered conservatorship in 2008. However, many factors have changes from the earlier years as well:
- Goverment has acknowledged Fannie and Freddie is needed - 30 years mortgage is needed for affordable housing mission - Hensarling has admitted governent needs to have a backing of the mortgage - Fannie and Freddie need to be privatized and returned to shareholders