Ideas. Action. Results.

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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Measuring Credit Availability and Credit Risk in the Housing Finance System

Michael A. Stegman / Blog July 22, 2016

In anticipation of the next debate on housing finance reform, stakeholders must agree on ways to measure how well the existing system is making credit available.

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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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