index recovery by, 93­94; household mortgage, 44, 45; national, privatization of Fannie Mae and, 17; NINJA (no income, no job, and no assets) or "liar" loans, 47; nonprime mortgage, emergence and growth of, 45­47 (see also subprime mort- gages); triparty repo transac- tions, 72­73 Dechario, Toni, 199n.7 Denmark, 118­21, 123­24, 126, 128 deposit-based system of mortgage credit, 116­17 Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, 2­3, 111­13, 134­36, 149­51, 161­64 Duhigg, Charles, 31, 41 Federal Deposit Insurance Cor- poration (FDIC), 139, 147, 153 Federal Home Loan Bank Board, 15, 18 Federal Home Loan Bank (FHLB) System, 15, 17, 25, 96­97, 102, 168, 176­77, 185 Federal Home Loan Mortgage Corporation, a.k.a. "Freddie Mac." See Freddie Mac Federal Housing Administration (FHA): creation of, 16, 183; loss mitigation intervention, 95; low-income housing, sup- port for, 175­76; mortgage insurance underwritten by, 152, 168 Federal Housing Enterprises Financial Safety and Sound- ness Act of 1992 (FHEFSSA), 23, 31­36, 40, 106, 185 213