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This year, the COVID-19 pandemic, a powerful movement for racial justice, and the devastating impacts of climate change have combined to bring the nation’s longstanding…

The GSE reform question, i.e. how should the government-sponsored enterprises of Fannie Mae and Freddie Mac end their conservatorships, has proven to be one of the most…

The two government-sponsored enterprises (GSEs) Freddie Mac and Fannie Mae have just entered into their thirteenth year of conservatorship, despite its originally having been…

Today, more than twelve years into conservatorship, the path forward for the reform of Freddie Mac and Fannie Mae, the two government-sponsored enterprises (GSEs), is in some…

The Financial Stability Oversight Council (FSOC) announced in mid-July it would at last do a review of the secondary mortgage market. For many decades, housing finance policy…

The Federal Home Loan Bank (FHLB) system consists of eleven regional banks that are cooperatives owned by their members, which their congressional charters currently specify…

This third installment about demystifying single-family mortgage credit risk transfer (CRT) by the government-sponsored enterprises (GSEs) Freddie Mac and Fannie Mae…

Since the mid-twentieth century, many American suburbs have transformed from lily white enclaves to multiracial milieus. How do advantaged families respond? With residential…

As the economic impact of the pandemic continues, one of the biggest issues to emerge in housing finance is the availability of mortgages. Media reporting and policy…

Scholars conducting empirical research on U.S. suburbs must develop their own definition of suburbia. In this paper, we operationalize three suburban definitions commonly…