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The economic pain we are experiencing in the wake of the pandemic calls for unprecedented government action to contain the fallout from a policy-induced economic coma. It…

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…

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

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…

Like cicada swarms, presidential commissions and federal initiatives to eliminate local barriers to housing development have a certain temporal cadence. By my accounting,…

Evidence is accumulating that the multiple layers of exclusionary zoning and land use controls are a powerful contributor not just to higher housing costs, but also to…

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…

W04-10: Differences in the supply of housing generate substantial variation in housing prices across the United States. Because housing prices influence migration, the…

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…