According to a proposal under Dodd-Frank Wall Street Reform and Consumer Protection Act,lenders who are pooling and securitizing the mortgage loans they create and then selling them off should remain responsible for at least:

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The proposal under Dodd-Frank Wall Street Reform and Consumer Protection Act requires lenders who are pooling and securitizing mortgage loans to retain at least 5 percent of the credit risk associated with these loans. This is aimed at ensuring that lenders have 'skin in the game' and are accountable for the quality of loans they originate and sell off to investors. Retaining 5 percent of credit risk is considered to strike a balance between protecting investors and encouraging lending without unduly burdening lenders.

According to a Proposal Under Dodd-Frank Wall Street Reform and Consumer