(1) Instead of Hank Paulson "threat" (he's an R), I would use "coercion" or a different yet similar word like "pressured". I think HERA was satisfied when the Board of Directors signed the paperwork. If you can quote Hank Paulson from his book when he describes just how he got the GSE's Board of Directors to sign off on the Conservatorships that'd be great. Morgan Stanley's CEO told Ben Bernake, "We'll go down in flames before I agree to these terms!"
(2). I would add the italized underlined part if you want too: "Homeownership for hard working middle class American Families has become more expensive due to inflated commitment fees and a tripling of Guarantee Fees on mortgages, directly impacting citizens seeking to establish stable residences."