Yep, HF's, big investment houses like Goldman-Sachs or Morgan, etc,all kind
of money market funds and other financial institutions. Pension funds are
only now gingerly traipsing into the business. foreign CB's are usually
forbidden to invest in any thing other than UST's.



With Fannie Mae (and its cousin Freddie Mac), the situation is
murkier. I believe that many foreign CBs treat Fannie as being backed
by the Federal government. But Fannie Mae's debt i.e. bonds (so-called
"agency securities"?) are one thing and MBSes are something else. The
former can reasonably be considered as default-proof that the
government will never allow Fannie Mae to default, but MBSes can
collapse with a housing bubble collapse. And whoever is left holding
them can suffer big losses. Unless of course Fannie guarantees the
securities particularly the lower tranches. If they do, it would be
very interesting to see just how they account for that exposure. Maybe
Fannie Mae's recent accounting troubles are related to something like
this?

http://www.sec.gov/divisions/corpfin/cf-noaction/fanniemae082004.htm

This article says that commercial banks have upto 40% exposure to MBSes:
http://quote.bloomberg.com/apps/news?pid=10000039&cid=baum&sid=aCxs0tcvCFFM

--raghu.

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