There is a simple and sensible way to finally achieve comprehensive housing finance reform in the U.S.. The approach proposed in this paper is to amend the charters of Ginnie Mae, Fannie Mae and Freddie Mac, and the Federal Housing Finance...

Californians face an unprecedented challenge finding affordable housing. Over the past 30 years, the precipitous rise in housing prices, development constraints, and stagnant growth in real income have cultivated a housing ecosystem that...

Eight years after the mortgage meltdown, America’s housing system remains broken, serving neither taxpayers nor homeowners properly. Ed DeMarco and Michael Bright have released the first in a four-part series of papers designed to help...

By the standards of the contemporary American political system, proposals to reform the U.S. housing finance system moved relatively far through the legislative process in 2013 and 2014, with different bills receiving positive votes in...

Since the financial crisis, lenders and borrowers have shown greater appreciation for the risks in highly leveraged mortgage lending. The federal government has not. In this article, Ed DeMarco addresses housing finance for the Global...

In this collection of essays from the Center for the Future of Aging, experts identify challenges and opportunities in realizing the potential of healthy, productive and purposeful aging.

Remarks as prepared for delivery to the Goldman Sachs Housing Finance Conference

California’s dynamic and evolving economy depends on the careful upkeep and long-term investment in our state’s infrastructure. Physical infrastructure — our highways, waterways, energy grid and public facilities — are an indispensable...

Remarks as prepared for delivery to the American Enterprise Institute’s Fourth Annual International Conference on Housing Risk

Leaders from across the political spectrum articulate the virtues of homeownership. As expressed in the above quotations, both Republican and Democratic presidents emphasize that homeownership is part of the American dream. Besides the...