The case is built on public record.
Every claim Keystone OS makes about market structure is traceable to a federal, congressional, academic, or industry source. Filter the repository below.
"Pooling and securitizing loans to expand CDFIs' access to capital markets."
"It would be necessary to aggregate loans from multiple originators; one solution might be for a third party to step in."
"The number one need identified by CDFI MDIs was access to capital."
"An intermediary savvy with the expectations of commercial investors while also aligned with the social mission of CDFIs."
"Regulatory actions have entrenched the dominant position of the largest banks while erecting barriers to entry."
"For many of these products there is no secondary market that can unlock capacity."
"Smaller lenders face disproportionate fixed costs accessing secondary markets."
"Pool diversification across originators materially reduces idiosyncratic credit risk."