Housing Finance

Publications

, Catalyst
Four Ways to Improve Land Use Without Upzoning
Nick Zaiac

Prolonged periods of high rents, as many American cities have experienced for the last decade, are a sign that the city hasn’t permitted enough potential building space in its most desirable…

, Forbes
Federal Policies Are Making Houses Unaffordable
Media Coverage

From Forbes:

Not invited to the hearings were free-market think tanks such as The Heritage Foundation, American Enterprise Institute, Cato, R-Street, Mercatus, and the Competitive Enterprise…

, The Hill
President makes the smart call for reforming housing finance system
Alex J. Pollock

In a recent White House memorandum, President Trump said, “It is time for the United States to reform its housing finance system.” He is right about that. He is also right about…

Ten years later, the U.S. is still debating Fannie and Freddie
Alex J. Pollock

The giant U.S. government-guaranteed mortgage companies,
Fannie Mae and Freddie Mac, were and are unique features of American housing
finance compared to other countries. In the days before their…

, Urbane Cowboys Podcast
Urbane Cowboys Podcast with Josiah Neeley
Media Coverage

Kevin Erdmann of the Mercatus Center joins R Street’s Josiah…

Comments/ RIN 2590-AA98: Validation and Approval of Credit Score Models by Fannie Mae and Freddie Mac
Alex J. Pollock

On behalf of National Taxpayers Union, R Street Institute, Citizens Against Government Waste, Institute for Liberty and Taxpayers Protection Alliance (“the undersigned”), we respectfully submit…

, Law & Liberty
The Inescapably Political World of Banking and Finance
Alex J. Pollock

Banking always involves political economy,
as professor Mark Rose observes, or as we might more precisely say, political
finance. This is the central lesson of Rose’s Market…

, Forbes
Fannie And Freddie Need More Capital
Media Coverage

From Forbes:

Another reason for ending the sweep would be that the Treasury has already been paid back its $187.5 billion injection plus the 10% compound dividend payments required…

Re: Comments/ RIN 2590-AA98: Validation and Approval of Credit Score Models by Fannie Mae and Freddie Mac
Alex J. Pollock

Dear Mr. Pollard:
Thank you for the opportunity to submit these comments on the Proposed Rule on Credit Score Models:

In my opinion, the Proposed Rule overall is sensible and well-considered,…

Fannie, Freddie, Capital and Risk
Alex J. Pollock

After his successful Valentine’s Day hearing at the
Senate Banking Committee, it looks like Mark Calabria is on his way to becoming
director of the Federal Housing Finance Agency (FHFA). In that…