{"database": "openregs", "table": "gao_reports", "rows": [["GAO-26-107436", "Nonbank Mortgage Companies: Ginnie Mae and FHFA Could Enhance Financial Monitoring", "2026-02-10", "GAO-26-107436", null, null, "Many mortgage companies aren't banks and don't take deposits to fund loans. \"Nonbank\" mortgage companies rely on short-term funding instead, which can leave them more vulnerable to failure in economic downturns. Nonbanks make and service most of the loans packaged into federally backed mortgage securities. Sales of these securities to investors help fund more loans. A major nonbank failure could disrupt mortgage lending and leave...", null, null, null, null, null, null, null, "https://www.gao.gov/products/gao-26-107436", null]], "columns": ["package_id", "title", "date_issued", "report_number", "document_type", "doc_class", "abstract", "subjects", "public_laws", "usc_references", "statute_references", "citation", "pdf_url", "html_url", "detail_url", "sudocs"], "primary_keys": ["package_id"], "primary_key_values": ["GAO-26-107436"], "units": {}, "query_ms": 0.9412290528416634, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}