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Interactive: Comparing Fannie Mae and Freddie Mac Reform Plans

CAP's Proposal for the Mortgage Giants vs. Other Institutions

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See also: 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)

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).

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To speak with our experts on this topic, please contact:

Print: Katie Peters (economy, education, poverty, Half in Ten Education Fund, women's issues)
202.741.6285 or kpeters@americanprogress.org

Print: Tom Caiazza (foreign policy, health care, LGBT issues, gun-violence prevention, the National Security Agency)
202.481.7141 or tcaiazza@americanprogress.org

Print: Chelsea Kiene (energy and environment, Legal Progress, higher education)
202.478.5328 or ckiene@americanprogress.org

Spanish-language and ethnic media: Tanya Arditi
202.741.6258 or tarditi@americanprogress.org

TV: Rachel Rosen
202.483.2675 or rrosen@americanprogress.org

Radio: Chelsea Kiene
202.478.5328 or ckiene@americanprogress.org