Mortgage News Daily says the federal government is extending the feedback deadline on the five percent risk retention provision of the Dodd-Frank Wall Street Reform and Consumer protection Act (Dodd-Frank) to allow for more public comment.  The new deadline is Aug. 1, 2011.  Meanwhile, Fannie Mae is requiring mortgage servicers to use Home Affordable Modification Program (HAMP) evaluation standards for non-HAMP modification loans for owner-occupied residences.  Fannie has also approved Genworth Residential Mortgage Assurance Corporation (GRMAC) to insure conventional mortgage loans.  Freddie Mac is increasing the amount a borrower may borrow from a credit card account to help offset mortgage processing fees from one percent to two percent.