Housing Finance Reform
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Author | : Susan M. Wachter |
Publisher | : University of Pennsylvania Press |
Total Pages | : 288 |
Release | : 2016-09-23 |
Genre | : Business & Economics |
ISBN | : 0812248627 |
Nearly a decade after the housing market's collapse triggered the Great Recession, members of both sides of the political aisle are calling for reform. Principles of Housing Finance Reform lays out a roadmap for reforms for a new housing finance system to achieve liquidity, access, and sustainability.
Author | : United States. Congress. House. Committee on Financial Services |
Publisher | : |
Total Pages | : 312 |
Release | : 2005 |
Genre | : Housing |
ISBN | : |
Author | : United States. Congress |
Publisher | : Createspace Independent Publishing Platform |
Total Pages | : 96 |
Release | : 2017-09-27 |
Genre | : |
ISBN | : 9781977699978 |
Housing finance reform : protecting small lender access to the secondary mortgage market : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Thirteenth Congress, first session, on examining components such as infrastructure, technology, and the cash window, that need to be preserved for small lenders in a new housing finance system, Novemb
Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs |
Publisher | : |
Total Pages | : 90 |
Release | : 2014 |
Genre | : Government-sponsored enterprises |
ISBN | : |
Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs |
Publisher | : |
Total Pages | : 100 |
Release | : 2014 |
Genre | : Housing |
ISBN | : |
Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs |
Publisher | : |
Total Pages | : 80 |
Release | : 2012 |
Genre | : Housing |
ISBN | : |
Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs |
Publisher | : |
Total Pages | : 152 |
Release | : 2013 |
Genre | : Federal aid to housing |
ISBN | : |
Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs |
Publisher | : |
Total Pages | : 120 |
Release | : 2014 |
Genre | : Housing |
ISBN | : |
Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs |
Publisher | : |
Total Pages | : 92 |
Release | : 2012 |
Genre | : Business & Economics |
ISBN | : |
Author | : Susan M. Wachter |
Publisher | : |
Total Pages | : 8 |
Release | : 2016 |
Genre | : |
ISBN | : |
In the wake of the stalled Johnson-Crapo bill, the overarching goal of housing finance reform continues to be the efficient provision of long-term fixed-rate mortgages to credit-worthy borrowers in all markets throughout the business cycle. This Issue Brief analyzes three newly-proposed plans for reforming the U.S. housing finance system: (1) a proposal from Jim Parrott et al. to merge Fannie Mae and Freddie Mac into a new government corporation; (2) Andrew Davidson's proposal for mutual ownership of the GSEs by mortgage originators; and (3) an opposing plan from Mark Calabria, arguing against securitization altogether and for a return to the regime of originate-and-hold. Despite differences regarding implementation and governance philosophy, a new consensus may be emerging for reform, demonstrated most clearly in the first two proposals, which recognize the efficiency of centralizing and concentrating control of the housing finance system's infrastructure and credit risk. Notwithstanding the important points of consensus, the new proposals still leave certain issues unresolved, including the potential for cyclicality. Still, broad support for centralized functions (i.e., promoting standardization, liquidity, consumer protection, and access to credit), as well as the organic growth of credit risk transfer transactions in recent years, may be important to reigniting the push for resolution of GSE conservatorship.