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California was the first state to implement minimum energy efficiency standards in 1974. It was the first to establish an energy regulation commission – the California Energy Commission. These regulations and codes have been in effect since 1974. California has the lowest per capita energy consumption in the US. [3]
More effort is needed to address heating and cooling: there is more heat wasted during electricity production in Europe than is required to heat all buildings in the continent. [54] All in all, EU energy efficiency legislation is estimated to deliver savings worth the equivalent of up to 326 million tons of oil per year by 2020.
ANSI/ASHRAE/IES Standard 90.1: Energy Standard for Buildings Except Low-Rise Residential Buildings is an American National Standards Institute (ANSI) standard published by ASHRAE and jointly sponsored by the Illuminating Engineering Society (IES) that provides minimum requirements for energy efficient designs for buildings except for low-rise residential buildings (i.e. single-family homes ...
An FNMA loan, aka a conforming loan or Fannie Mae-backed mortgage, is a loan or mortgage that has been sold to the Federal National Mortgage Association (FNMA, or Fannie Mae) — or one that meets ...
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Fannie Mae and Freddie Mac also have slightly different requirements for the mortgages they purchase. In both cases, Fannie and Freddie loans must be conforming loans , or adhere to these ...
Fannie Mae created a liquid secondary mortgage market and thereby made it possible for banks and other loan originators to issue more housing loans, primarily by buying Federal Housing Administration (FHA) insured mortgages. [11] For the first thirty years following its inception, Fannie Mae held a monopoly over the secondary mortgage market. [10]
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