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Even before the COVID-19 pandemic, renters in the United States were facing a housing affordability crisis. Nearly a quarter of renter households were spending more than half…

During the COVID-19 pandemic, service coordinators played a pivotal role in the support of older adult residents of publicly funded housing properties. Some independent…

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…

Houston, Texas, America’s most diverse and fourth-largest city, is the most flooded city in the United States. Houston’s geography and urban planning make flooding and water…

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…