; or (B) if the FHA determines that such guidelines are not so sufficient, the FHA shall adopt such guidelines for purposes of this section, to the extent appropriate and with changes referred to in subparagraph (A), together with additional criteria sufficient to address any such insufficiency. (3) Content Such guidelines shall ensure that— (A) persons or entities participating in risk transfer, risk-sharing, and other credit enhancement activities pursuant to this section have sufficient capital, credit worthiness, and liquidity, and are otherwise capable of fulfilling their obligations to the FHA; (B) such persons or entities and their principals or officers are not engaged in a business the goals of which would conflict with the purposes of the FHA or the National Housing Act; for purposes of this section, private mortgage insurance is not considered a business the goals of which conflict with the purposes of the FHA or the National Housing Act