... necessarilyreflect the official positions of the Federal Reserve Bank of St. Louis, the Federal Reserve System, the Board of Governors, the Office of Comptroller of the Currency, or other officers, agencies, ... economist at the Office of the Comptroller of the Currency. Anthony Pennington-Cross is a senioreconomist at the Federal Reserve Bank of St. Louis. The views expressed here are those of the individual ... requirements in the stan-dard (prime) mortgage market have greater accessto credit in the subprime market. Two of the majorbenefits of this type of lending, then, are the increased numbers of homeowners...