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> literally 0 functional difference. Fannie Mae and Freddie Mac are government sponsored entities

Fed means Federal Reserve. Not the federal government. The Fed and federal government are meaningfully different.




The Fed is 'Governance'. It's just not democratic and didn't arrive into it's current situation the way we would have liked it.

It acts in essentially the same manner as 'Bank of England' or the 'ECB' just structured a bit differently.

The Fed's massive intervention in 2008 was similar to other Central Banks, because it's effectively the same thing i.e. 'governance'.

The Fed's intervention to 'buy mortgages' is not a 'market response' - it's a 'government response'.

The intervention was mostly related to buying mortgages (however they ares structured is secondary) and is de-facto a bailout of Home Owners, who, if they were subject to normal market conditions, would have faced massive foreclosures, and, would have destroyed home prices for everyone else, furthering the calamity.

That the mortgages on the Fed's Balance sheet were not 'the worst' of the assets is a bit of a side show - in 'current market terms' they were all toxic we know that because nobody wanted to buy them, which is why the Fed had to do a 'non market intervention'.

If they were not basically 'garbage' at the time, the Fed would not have had to intervene to buy them.

As a result, the Fed hold's a giant pile of 'mortgages'.


This comment is a good example of why popularly-controlled central banks fail within a generation. The lack of understanding is understandable. The insistence on doubling down on it is not.




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