WASHINGTON — Federal regulators are proposing to exempt certain mortgages from new rules aimed at getting banks to take on more risk when packaging and selling mortgage investments.

The Federal Deposit Insurance Corp. voted today to advance the exemption from rules required under the new financial regulatory law. Under the rules, banks must hold at least 5 percent of the mortgage securities on their books.

Banks would not have to have so-called “skin in the game” for mortgage securities that contain loans for which buyers made a 20 percent down payment.

For banks to qualify for the exemption, they would also have to collect information from the borrower showing proof of income, credit history and ability to make monthly payments.

The objective of the new rule is to limit banks’ exposure to risk and avoid the kind of loans that brought on the 2008 financial crisis.