Examines the problems brought by government-sponsored enterprises in housing finance when analyzing financial disclosures of Federal National Mortgage Association (Fannie Mae), Federal Home Loan Mortgage Corp. (Freddie Mac) and Federal Home Loan Banks. Asset growth of the organizations by the end of 2002; Impact of finance diversification on the portfolios of Fannie Mae and Freddie Mac; Suggestion of members of U.S. Congress in response to the accounting problems of the organizations.