GARY G. MILLER: “Somebody has to step forward to make sure there is liquidity in the marketplace.”

If we are concerned about empowering consumers, we really should be concerned about their safety.

Sequestration is the big elephant in the room that seriously threatens the stability that we thought we had achieved.

NAFCU believes that any relief efforts should not bifurcate the industry by asset size and would not support such an approach.

While a hybrid public-private model for Freddie and Fannie was fundamentally flawed, our focus should be a viable secondary mortgage market with sound underwriting principles.