Housing Finance
Publications
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…
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…
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…
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…
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…
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…
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…
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…
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…
EDWARD J. PINTO and TOBIAS J. PETER ALEX J. POLLOCK
AEI Housing Center R…