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Even though Fannie Mae and Freddie Mac returned to very-low down payment lending following the financial crisis, saving for a down payment remains one of the biggest barriers…

Over the years, with the approval of their regulator/conservator, the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the GSEs) put in place an opaque…

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

Much of the writing that I will undertake in my fellowship year at the Joint Center for Housing Studies will address the Trump administration’s and Congress’s administrative…

From time to time, Housing Perspectives features posts by guest bloggers. Today’s post was written by Patricia McCoy, Liberty Mutual Insurance Professor, Boston College…

HBTL-01: From 2007 through 2011, the United States housing market suffered from a severe imbalance in supply and demand. On the supply side, there were too many homes…

MF10-6: Since mid-2007, the federal government has devoted enormous sums of money and effort to foreclosure prevention. Washington’s approach to rising foreclosures has…

UCC08-5: In this chapter, we provide a critical analysis of the legal landscape of residential mortgage lending and explain how federal law abdicated regulation of the…

UCC08-9: The subprime mortgage market, which consists of high-cost loans designed for borrowers with weak credit, has grown tremendously over the past ten years. Between…

The 1977 Community Reinvestment Act (CRA) was enacted to encourage banking institutions to meet the credit needs of their entire communities. In response, lenders have…