{"id":11442,"date":"2025-07-28T07:02:51","date_gmt":"2025-07-28T07:02:51","guid":{"rendered":"https:\/\/cryptozen.asia\/vn\/cac-thuong-nghi-si-dan-chu-dieu-tra-co-quan-quan-ly-nha-o-ve-viec-xem-xet-tien-dien-tu-trong-cac-khoan-vay-the-chap\/"},"modified":"2025-07-28T07:02:51","modified_gmt":"2025-07-28T07:02:51","slug":"cac-thuong-nghi-si-dan-chu-dieu-tra-co-quan-quan-ly-nha-o-ve-viec-xem-xet-tien-dien-tu-trong-cac-khoan-vay-the-chap","status":"publish","type":"post","link":"https:\/\/cryptozen.asia\/vn\/cac-thuong-nghi-si-dan-chu-dieu-tra-co-quan-quan-ly-nha-o-ve-viec-xem-xet-tien-dien-tu-trong-cac-khoan-vay-the-chap\/","title":{"rendered":"C\u00e1c Th\u01b0\u1ee3ng ngh\u1ecb s\u0129 D\u00e2n ch\u1ee7 \u0111i\u1ec1u tra c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 \u1edf v\u1ec1 vi\u1ec7c xem x\u00e9t ti\u1ec1n \u0111i\u1ec7n t\u1eed trong c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p"},"content":{"rendered":"

\u0110i\u1ec1u Tra V\u1ec1 K\u1ebf Ho\u1ea1ch T\u00ednh Ti\u1ec1n \u0110i\u1ec7n T\u1eed Trong Ph\u00ea Duy\u1ec7t Kho\u1ea3n Vay Th\u1ebf Ch\u1ea5p<\/h2>\n

N\u0103m th\u01b0\u1ee3ng ngh\u1ecb s\u0129 D\u00e2n ch\u1ee7 c\u1ee7a M\u1ef9 \u0111\u00e3 ti\u1ebfn h\u00e0nh \u0111i\u1ec1u tra ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u c\u01a1 quan t\u00e0i ch\u00ednh nh\u00e0 \u1edf c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc v\u1ec1 k\u1ebf ho\u1ea1ch c\u1ee7a \u00f4ng nh\u1eb1m xem x\u00e9t c\u00e1ch m\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/strong> c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh trong quy tr\u00ecnh ph\u00ea duy\u1ec7t m\u1ed9t s\u1ed1 kho\u1ea3n vay th\u1ebf ch\u1ea5p.<\/p>\n

B\u1ee9c Th\u01b0 Y\u00eau C\u1ea7u Gi\u1ea3i Th\u00edch<\/h2>\n

C\u00e1c th\u01b0\u1ee3ng ngh\u1ecb s\u0129, do Jeff Merkley<\/strong> d\u1eabn \u0111\u1ea7u, \u0111\u00e3 g\u1eedi m\u1ed9t b\u1ee9c th\u01b0 t\u1edbi gi\u00e1m \u0111\u1ed1c C\u01a1 quan T\u00e0i ch\u00ednh Nh\u00e0 \u1edf Li\u00ean bang (FHFA) William Pulte<\/strong> v\u00e0o th\u1ee9 S\u00e1u, y\u00eau c\u1ea7u \u00f4ng gi\u1ea3i th\u00edch k\u1ebf ho\u1ea1ch c\u1ee7a m\u00ecnh “\u0111\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c r\u1ee7i ro v\u00e0 l\u1ee3i \u00edch ti\u1ec1m n\u0103ng c\u1ee7a quy\u1ebft \u0111\u1ecbnh n\u00e0y v\u00e0 nh\u1eefng t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf c\u0169ng nh\u01b0 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh c\u1ee7a M\u1ef9.”<\/p>\n

C\u00e1c th\u01b0\u1ee3ng ngh\u1ecb s\u0129 Elizabeth Warren<\/strong>, Chris Van Hollen<\/strong>, Mazie Hirono<\/strong> v\u00e0 Bernie Sanders<\/strong> c\u0169ng \u0111\u00e3 \u0111\u1ed3ng k\u00fd t\u00ean v\u00e0o b\u1ee9c th\u01b0, y\u00eau c\u1ea7u Pulte ph\u1ea3n h\u1ed3i tr\u01b0\u1edbc ng\u00e0y 7 th\u00e1ng 8<\/strong>.<\/p>\n

K\u1ebf Ho\u1ea1ch C\u1ee7a FHFA<\/h2>\n

Th\u00e1ng tr\u01b0\u1edbc, Pulte \u0111\u00e3 ra l\u1ec7nh cho c\u00e1c nh\u00e0 mua th\u1ebf ch\u1ea5p nh\u00e0 Fannie Mae<\/strong> v\u00e0 Freddie Mac<\/strong> chu\u1ea9n b\u1ecb m\u1ed9t \u0111\u1ec1 xu\u1ea5t v\u1ec1 c\u00e1ch h\u1ecd c\u00f3 th\u1ec3 xem x\u00e9t t\u00e0i s\u1ea3n ti\u1ec1n \u0111i\u1ec7n t\u1eed trong c\u00e1c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro c\u1ee7a h\u1ecd cho c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p gia \u0111\u00ecnh \u0111\u01a1n l\u1ebb, m\u00e0 kh\u00f4ng c\u1ea7n chuy\u1ec3n \u0111\u1ed5i ti\u1ec1n \u0111i\u1ec7n t\u1eed th\u00e0nh \u0111\u00f4 la M\u1ef9.<\/p>\n

FHFA \u0111\u00e3 gi\u00e1m s\u00e1t Fannie Mae, hay Hi\u1ec7p h\u1ed9i Th\u1ebf ch\u1ea5p Qu\u1ed1c gia Li\u00ean bang, v\u00e0 Freddie Mac, T\u1eadp \u0111o\u00e0n Th\u1ebf ch\u1ea5p Nh\u00e0 \u1edf Li\u00ean bang, k\u1ec3 t\u1eeb n\u0103m 2008<\/strong>. C\u1ea3 hai \u0111\u1ec1u \u0111\u01b0\u1ee3c \u0111\u1eb7t d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a ch\u00ednh ph\u1ee7 sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u0103m 2008, do s\u1ef1 s\u1ee5p \u0111\u1ed5 c\u1ee7a th\u1ecb tr\u01b0\u1eddng th\u1ebf ch\u1ea5p d\u01b0\u1edbi chu\u1ea9n.<\/p>\n

Lo Ng\u1ea1i V\u1ec1 R\u1ee7i Ro Ti\u1ec1n \u0110i\u1ec7n T\u1eed<\/h2>\n
\n

Nh\u1eefng lo ng\u1ea1i \u0111\u01b0\u1ee3c n\u00eau ra v\u1ec1 r\u1ee7i ro c\u1ee7a ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi mua nh\u00e0. C\u00e1c th\u01b0\u1ee3ng ngh\u1ecb s\u0129 cho bi\u1ebft k\u1ebf ho\u1ea1ch c\u1ee7a Pulte “c\u00f3 th\u1ec3 gi\u1edbi thi\u1ec7u nh\u1eefng r\u1ee7i ro kh\u00f4ng c\u1ea7n thi\u1ebft cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 \u0111\u1eb7t ra nh\u1eefng lo ng\u1ea1i nghi\u00eam tr\u1ecdng v\u1ec1 an to\u00e0n v\u00e0 \u0111\u1ed9 \u1ed5n \u0111\u1ecbnh cho th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a M\u1ef9.”<\/p>\n<\/blockquote>\n

D\u01b0\u1edbi ch\u00ednh s\u00e1ch hi\u1ec7n t\u1ea1i, h\u1ecd cho bi\u1ebft r\u1eb1ng Fannie Mae, Freddie Mac, ho\u1eb7c b\u1ea5t k\u1ef3 nh\u00e0 ph\u00e1t h\u00e0nh n\u00e0o cho c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 b\u1ea3o l\u00e3nh kh\u00f4ng cho ph\u00e9p c\u00e1c nh\u00e0 cho vay xem x\u00e9t ti\u1ec1n \u0111i\u1ec7n t\u1eed trong c\u00e1c quy\u1ebft \u0111\u1ecbnh th\u1ebf ch\u1ea5p tr\u1eeb khi n\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i th\u00e0nh \u0111\u00f4 la M\u1ef9.<\/p>\n

C\u00e1c th\u01b0\u1ee3ng ngh\u1ecb s\u0129 c\u0169ng cho bi\u1ebft r\u1eb1ng ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u00e3 ch\u1ee9ng ki\u1ebfn s\u1ef1 bi\u1ebfn \u0111\u1ed9ng cao<\/strong> v\u00e0 kh\u1ee7ng ho\u1ea3ng thanh kho\u1ea3n<\/strong> trong qu\u00e1 kh\u1ee9, b\u00e0y t\u1ecf lo ng\u1ea1i r\u1eb1ng nh\u1eefng ng\u01b0\u1eddi vay s\u1eed d\u1ee5ng ti\u1ec1n \u0111i\u1ec7n t\u1eed ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi “m\u1ed9t r\u1ee7i ro gia t\u0103ng r\u1eb1ng h\u1ecd c\u00f3 th\u1ec3 kh\u00f4ng th\u1ec3 tho\u00e1t kh\u1ecfi v\u1ecb th\u1ebf ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 chuy\u1ec3n \u0111\u1ed5i th\u00e0nh ti\u1ec1n m\u1eb7t v\u1edbi m\u1ed9t m\u1ee9c gi\u00e1 cho ph\u00e9p h\u1ecd b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i r\u1ee7i ro v\u1ee1 n\u1ee3 th\u1ebf ch\u1ea5p.”<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0110i\u1ec1u Tra V\u1ec1 K\u1ebf Ho\u1ea1ch T\u00ednh Ti\u1ec1n \u0110i\u1ec7n T\u1eed Trong Ph\u00ea Duy\u1ec7t Kho\u1ea3n Vay Th\u1ebf Ch\u1ea5p N\u0103m th\u01b0\u1ee3ng ngh\u1ecb s\u0129 D\u00e2n ch\u1ee7 c\u1ee7a M\u1ef9 \u0111\u00e3 ti\u1ebfn h\u00e0nh \u0111i\u1ec1u tra ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u c\u01a1 quan t\u00e0i ch\u00ednh nh\u00e0 \u1edf c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc v\u1ec1 k\u1ebf ho\u1ea1ch c\u1ee7a \u00f4ng nh\u1eb1m xem x\u00e9t c\u00e1ch …<\/p>\n","protected":false},"author":3,"featured_media":11441,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[9433,9478,5403,4545,4303,4305,9437,9475,9438,9477,4217,9432,9288,9476,4204],"class_list":["post-11442","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal","tag-mbg","tag-bernie-sanders","tag-chris-van-hollen","tag-democrats","tag-donald-trump","tag-elizabeth-warren","tag-fannie-mae","tag-federal-housing-finance-agency","tag-freddie-mac","tag-jeff-merkley","tag-legal","tag-multibank-group","tag-non-fungible-tokens","tag-trumps","tag-usa"],"yoast_head":"\nC\u00e1c Th\u01b0\u1ee3ng ngh\u1ecb s\u0129 D\u00e2n ch\u1ee7 \u0111i\u1ec1u tra c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 \u1edf v\u1ec1 vi\u1ec7c xem x\u00e9t ti\u1ec1n \u0111i\u1ec7n t\u1eed trong c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p - CryptoZen<\/title>\n<meta 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c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 \u1edf v\u1ec1 vi\u1ec7c xem x\u00e9t ti\u1ec1n \u0111i\u1ec7n t\u1eed trong c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p - CryptoZen\" \/>\n<meta property=\"og:description\" content=\"C\u00e1c Th\u01b0\u1ee3ng ngh\u1ecb s\u0129 D\u00e2n ch\u1ee7 \u0111i\u1ec1u tra k\u1ebf ho\u1ea1ch xem x\u00e9t ti\u1ec1n \u0111i\u1ec7n t\u1eed trong c\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p c\u1ee7a FHFA, n\u00eau ra r\u1ee7i ro cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 kh\u1ea3 n\u0103ng xung \u0111\u1ed9t l\u1ee3i \u00edch gi\u1eefa th\u1ecb tr\u01b0\u1eddng ti\u1ec1n \u0111i\u1ec7n t\u1eed bi\u1ebfn \u0111\u1ed9ng.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cryptozen.asia\/vn\/cac-thuong-nghi-si-dan-chu-dieu-tra-co-quan-quan-ly-nha-o-ve-viec-xem-xet-tien-dien-tu-trong-cac-khoan-vay-the-chap\/\" \/>\n<meta property=\"og:site_name\" content=\"CryptoZen\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-28T07:02:51+00:00\" 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