The forces that would drive credit union consolidation are often thwarted by self-preservation.
The Federal Housing Administration will reduce its annual mortgage insurance premium from 1.35% to 0.85%, the White House announced Jan. 7.
Groups say measure will go a long way towards helping many Americans become homeowners.
The reduction from 1.35% to 0.85% will save the typical first time home buyer $900 per year, the White House says.
That's the view from non-partisan policy wonks, watchdogs, surveys and others without stake in the game.
Estimates range from perhaps 35% to more than half of workers reporting such incidents.
Trade group cites "unacceptable financial burden" while reinsurers cast wary eye at blanket subsidies.
State insurance chief says new flood insurance rates will hit middle- and low-income homeowners hard, forcing some to walk away from their homes.
Amendment passed Tuesday would bar the rate increases by preventing FEMA from using federal funds to implement Sec. 207.
The Consumer Financial Protection Bureau proposed some tweaks and clarifications to its January 2013 mortgage rules on June 24, addressing some credit union concerns.