NEW YORK , July 21 / PRNewswire / -- Standard & Poor 's Fixed Income Risk Management Services ( FIRMS ) , an analytics unit separate from S & P 's ratings business that delivers solutions to help investors perform greater due diligence on the financial instruments in their portfolios , was selected to partner with the American Securitization Forum ( ASF ) to bring individual loan-level transparency to the mortgage- and asset-backed securities market . FIRMS will create a new loan numbering system and a central loan data repository aimed at providing investors with a means to understanding the risk , collateral and credit of an individual loan that has been securitized or may be repackaged for the secondary market .