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As the overall population ages, the number of very low-income older adult households that qualify for HUD housing assistance is rising rapidly. Older adults tend to stay in…

As 2019 ends, the two Government-Sponsored Enterprises (GSEs) Freddie Mac and Fannie Mae finally have some momentum in ending their conservatorships, the legal status under…

A significant feature of America’s residential mortgage system is its heavy politicization. This case study is about one long-running, specific aspect of that politicization…

Housing inequality is becoming increasingly evident among older Americans as the number of older households climbs to unprecedented levels. Between 2012 and 2017, the number…

The housing finance policy community had thrown around all sorts of ideas about how to move forward after the two GSEs were placed in conservatorship in the 2008 Financial…

With the passing of the eleventh anniversary of GSE conservatorship and the release of the administration’s long-awaited housing finance reform plans, longstanding…

There are four big issues the Federal Housing Finance Agency, the regulator of Freddie Mac and Fannie Mae, will need to address to finalize its proposed minimum required…

The US Treasury released on September 5th its much-awaited plan for reform of the Government-Sponsored Enterprises (GSEs) of Freddie Mac and Fannie Mae. As directed by the…

When policymakers focus on legislative reform of the two major government-sponsored enterprises (GSEs), a core principle widely espoused is to increase competition, to get…

Over the past decade, Congress and most housing finance policy developers and commentators have overwhelmingly focused on reform of the government-sponsored enterprises (GSEs…