Five policy heavy-hitters issued a proposal last week to merge Fannie Mae and Freddie Mac into a single government corporation as a way to move beyond the conservatorships of the two government-sponsored enterprises.

There’s no doubt that competition is spurring subprime auto lenders to stretch their underwriting guidelines for new customers, which could lead to another bust. In February, 5.16% of securitized subprime auto loans were at least 60 days past due, according to Fitch Ratings. That slightly exceeded the level of late payments at the height of the Great Recession. Here’s a guide to who’s doing what.

JPMorgan Chase has packaged a highly concentrated portfolio of five office, hotel and retail property mortgages totaling $337 million.

Northpoint Commercial Finance is marketing $275 million of notes backed by dealer inventory financing for marine and recreational vehicles and manufactured housing, according to rating agency reports

New Residential is marketing a $260.0 million securitization of re-performing mortgage loans, according to Moody's Investors Service.

California Republic Bancorp in Irvine is pressing the accelerator on plans to expand its indirect auto lending business despite increasing industry concerns that the sector may be overheating.

Citigroup is marketing $771 million of commercial mortgage bonds backed by 37 loans secured by 75 properties, according to Kroll Bond Rating Agency.

The number of borrowers behind on private student loan payments rose slightly in the fourth quarter of 2015, but the overall trend is for continued improvement, according to Fitch Ratings.

European CLO manager CVC Credit Partners is preparing its first broadly syndicated loan portfolio of 2016 that will issue €400 million (US$447.3 million) in euro-denominated bonds.

Germany’s Bank11 fr Privatkunden und Handel GmbH (Bank11) is securitizing €550 million in auto-loan backed securities in a series of two classes of notes through its Revocar ABS platform.

The online consumer lender Avant is expanding into auto lending.