On January 13, 2021, the U.S. Government Accountability Office reported that the "federal government supports $8 trillion, or 67 percent, of the $12 trillion single-family mortgage market" mainly through three corporations chartered by the federal government. These corporations are named Fannie Mae, Freddie Mac, and Ginnie Mae. The report notes that the federal government has enacted laws and regulations throughout the C-19 pandemic which allow people to delay paying their mortgages and that "exposure to potential mortgage credit losses during an economic crisis is substantial." As the report explains, these "risks" are ultimately borne by "taxpayers."