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Newt Gingrich and Ralph Reed, among others, worked as consultants for Fannie or Freddie; Rahm Emanuel was a board member of Freddie.
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As noted above, the proposal would also impose a presumption of unaffordability in which a consumer seeks to take out a covered longer-term loan within 30 days of a previous outstanding covered short-term loan or a covered longer-term balloon-payment loan, as well as when a consumer seeks to refinance some other covered loan or non-covered loan with the same lender or its affiliates under circumstances indicating that the consumer may be under financial distress.
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