credit rating agencies and mortgage-backed securities

Credit rating agencies are entities that assess the creditworthiness of borrowers, such as companies or governments. They assign ratings to debt instruments, indicating the risk of default. Mortgage-backed securities are financial products that pool together individual mortgages into a larger security which can be bought and sold on the market. These securities provide investors with the opportunity to invest in a diversified portfolio of mortgage loans, as they receive a portion of the interest and principal payments made by the borrowers.

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