Semua Insights

An NPL Sale Transfers a Workout, Too: Reading Fannie Mae's Latest Auction

Fannie Mae's latest auction identifies a buyer for 1,179 non-performing mortgages. Its published cover bid is the second-highest offer, and closing is still expected. For a portfolio buyer, the practical question extends beyond price: which borrower arrangements, servicing duties and unresolved cases must survive the handoff?

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The NPL Is Too Late: Why Stressed Loans Need an Asset Record Before Default

India’s largest asset-reconstruction market is starting to move upstream from buying non-performing loans into servicing loans before they become NPAs. Asset Reconstruction Company (India), or Arcil, is launching collections-as-a-service for banks and other financial institutions, explicitly targeting SMA-1 and SMA-2 accounts as well as NPAs. The shift matters because a loan does not suddenly become an operationally complex asset on day 91. Payment events, contact history, promises to pay,...

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