Products & Their RisksQuestion 127 of 398

Which agency mortgage security is backed by the full faith and credit of the U.S. government?

a.Fannie Mae (FNMA) pass-throughs
b.Freddie Mac (FHLMC) participation certificates
c.Private-label mortgage bonds
d.Ginnie Mae (GNMA) pass-throughs

Explanation

Ginnie Mae (GNMA) is a government-owned corporation, and its pass-through securities carry the explicit full faith and credit guarantee of the U.S. government. Fannie Mae and Freddie Mac are government-sponsored enterprises (GSEs) whose securities are NOT directly backed by the U.S. government's full faith and credit.

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