Celebrating ten years of productive partisanship.

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GSE reform just isn’t going to happen soon

Housing / News October 6, 2015

Seven years after Fannie Mae and Freddie Mac were placed into conservatorship, there is still a lack of consensus on how to reform the GSEs.

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BPC discussion: Fannie, Freddie reform can happen but one step at a time

Housing / News July 16, 2015

Reform of the GSEs and housing finance may come, but it’s more likely to come in small bites rather than the big prix fixe Johnson-Crapo or the PATH Act.

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A Framework for Improving Access and Affordability in a Reformed Housing Finance System

Housing / Research May 31, 2017

With policymakers gearing up to reform the housing finance system, it is worth revisiting one of the issues that stymied negotiators in the reform effort of 2014: how to ensure adequate access to credit in the new system.

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A Challenge to a Ginnie Mae-Based Approach to Housing Finance Reform

Michael A. Stegman / Blog December 20, 2016

Michael Bright and Ed DeMarco’s proposal to end the conservatorship of the GSEs would use the Ginnie Mae platform to create a new secondary mortgage market.

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The Impact of the 2016 Elections on GSE Reform

Michael A. Stegman / Blog November 18, 2016

While the election has surely changed the dynamics of housing finance reform, it is too early in the transition to know in exactly what ways.

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Enhancing Access to Credit with New Scoring Tools

Michael A. Stegman / Blog October 31, 2016

Roughly 45 million consumers, many minorities in low-income neighborhoods, are essentially shut out of the opportunity to access mortgages through the GSEs.

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FHFA’s Credit Risk Program and the Future of GSE Legislation

Michael A. Stegman / Blog September 8, 2016

If there is one feature of a reformed housing finance system that has broad buy-in, it is that private capital should take the majority of mortgage credit risk.

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How Much Capital Is Enough?

Michael A. Stegman / Blog August 15, 2016

Lawmakers must strive to find the sweet spot between protecting taxpayers against another government bailout and providing broad and affordable access to credit.

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Building on the Johnson-Crapo Consensus

Michael A. Stegman / Blog August 3, 2016

The Johnson-Crapo bill should serve as a starting point as stakeholders prepare for a renewed debate about the future of Fannie Mae and Freddie Mac.

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Housing America Series

Andy Winkler / Blog July 21, 2016

With Fannie Mae and Freddie Mac still lingering in conservatorship and the affordability crisis worsening, it’s time to lay the groundwork for real action in 2017.

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