Which of the following statement is false? Loan sales and securitization have allowed Fl asset portfolios to become more liquid, provided an important source of fee income, and helped reduce the adverse effects of regulatory burdens such as capital requirements, reserve requirements, and deposit insurance premiums on Fl profitability. Loan sales and securitization are mechanisms that Fls have used to hedge their credit risk, interest rate risk, and liquidity risk exposures. While loan securitization has been in existence for many years, loan sales is a recent innovation. Loan sales involve splitting up larger loans and loan portfolios, whereas loan securitization involves the grouping of smaller loans into larger pools