Products & Their RisksQuestion 167 of 398

An agency debenture issued by a GSE such as the Federal Home Loan Bank is:

a.An unsecured debt obligation of the agency, backed by its general credit rather than a specific mortgage pool
b.A tax-exempt municipal security
c.A share of ownership in the agency
d.A federally insured bank deposit

Explanation

Some agency securities are debentures, meaning unsecured bonds backed by the issuing agency's general creditworthiness rather than a pool of mortgages. They are considered high quality but, as GSE obligations, they are not directly guaranteed by the U.S. government, so they yield slightly more than Treasuries. They differ from mortgage-backed pass-throughs, whose cash flow comes from underlying loans.

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