Interactive: Comparing Fannie Mae and Freddie Mac Reform Plans
CAP's Proposal for the Mortgage Giants vs. Other Institutions
See also: The $5 Trillion Question: What Should We Do with Fannie Mae and Freddie Mac? by John Griffith
Nearly four years after the massive bank bailouts of 2008, more than 90 percent of all home loans are backed by Fannie Mae, Freddie Mac, or the Federal Housing Administration. The mortgage market remains on life support as investors have shown little appetite for purchasing mortgages without a government guarantee.
Just about everyone agrees that the current level of government support is unsustainable in the long run and that private investors will eventually have to assume more risk in the mortgage market. That leaves two critical questions before policymakers today: What sort of presence should the federal government have in the future housing market? And how do we transition responsibly to this new system of housing finance?
Since the conservatorship of Fannie and Freddie began, dozens of advocacy groups, academics, and industry stakeholders have offered possible answers to these questions. Below is an interactive review of 21 separate proposals to transition Fannie Mae and Freddie Mac to a new system of U.S. housing finance (compare multiple plans).
- The $5 Trillion Question: What Should We Do with Fannie Mae and Freddie Mac? by John Griffith
- Download the details of all 21 reform plans (pdf)
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