It noted that “borrowers at risk of significant mortgage payment increases remained a small minority, concentrated mostly among higher-income households that were aware of the attendant risks,” and concluded that “indications are that credit and risk allocation mechanisms in the U.S. housing market have remained relatively efficient.”
À vrai dire, dans son rapport annuel de 2006 sur l’économie américaine, le FMI s’est montré extraordinairement indulgent dans son estimation des risques posés par le relâchement des conditions de prêts sur le marché hypothécaire américain.