The country's Financial Services Authority said yesterday that liquidity-risk standards for banks and mortgage lenders ... regulators are pushing for new rules to ensure banks won't run out of cash in times of trouble. Wall Street Journal - ... Amid a worsening credit crunch, U.K. Does the lender make privately or federally insured or guaranteed ? Some mortgage loans may be backed by a federal agency, such as the Federal Housing Administration (FHA loans) or the Department of Veterans Affairs (VA loans).