Housing Finance

Publications

, Law & Liberty
Seven Possible Causes of the Next Financial Crisis
Alex J. Pollock

The great financial historian, Charles Kindleberger, pointed out in the 1970s that over several centuries, history showed there was a financial crisis about once every ten years. His observation…

, Law & Liberty
The Next Housing Bust
Alex J. Pollock

The Supreme Court has determined that the Federal Housing Finance Agency (FHFA)—the regulator and conservator of the government sponsored enterprises (GSEs) Fannie Mae and Freddie Mac—was…

Two house price inflations, two central banks
Alex J. Pollock

In 2021, North America is the home of runaway house price inflation. In both the U.S. and Canada, house prices are far over their Bubble peaks of the first decade of the 2000s and they continue to…

Another Bad Idea: Fannie and Freddie as Utilities
Alex J. Pollock

In the more than twelve years since their 2008 failure, nobody has been able to figure out how to end Fannie Mae and Freddie Mac being wards of the state, as their continued existence is wholly…

RE: R Street Institute and Taxpayers for Common Sense Response to RIN 2590-AA95
R.J. Lehmann

Our organizations welcome the opportunity to provide comment on the FHFA’s 2020 Proposed Capital Rule. The R Street Institute and Taxpayers for Common Sense are both 501c3 research organizations…

R Street response to FHFA RFI on PACE financing
R.J. Lehmann

Thank you for the opportunity to comment on this Notice and Request for Input regarding the impact of residential Property Assessed Clean Energy (PACE) programs on the government-sponsored…

Joint Industry Letter on QRM Risk Retention Review
R.J. Lehmann

The undersigned organizations representing financial services, real estate finance, housing, consumer affairs, and civil rights appreciate the opportunity to respond to the notice of commencement of…

, Chicago Tribune
Lenders Support, Advocates Slam Trump Housing Plan

From The Chicago Tribune:
“Should a lender’s portfolio … show no statistically significant difference in the default outcomes between a protected class and a non-protected class, said lender…

, Real Clear Markets
Eliminating Fannie & Freddie’s Competitive Advantages by Administrative Action
Alex J. Pollock

Among the strategic goals for reform of Fannie Mae and Freddie Mac specified by Treasury Secretary Steven Mnuchin in Congressional testimony on October 22 was: “Legislation could achieve lasting…

HUD’s Implementation of the Fair Housing Act’s Disparate Impact Standard
Alex J. Pollock

EDWARD J. PINTO and TOBIAS J. PETER                       ALEX J. POLLOCK

AEI Housing Center                                        R…

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