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Housing: Archives

Student-Loan Debt Has a Rippling Negative Effect on the Broader Economy

Student-loan debtIn comments submitted to the Consumer Financial Protection Bureau, CAP and Campus Progress identify some of the financial hurdles that student-loan borrowers may face and how these hurdles may affect the future housing market and economy.

By Joe Valenti, Sarah Edelman, and Tobin Van Ostern | Wednesday, April 10, 2013

Public Proposals for the Future of the Housing Finance System

Home soldSenior Fellow Janneke Ratcliffe testifies before the Senate Committee on Banking, Housing, and Urban Affairs.

By Janneke Ratcliffe | Tuesday, March 19, 2013

Protecting Consumers and Preserving Lending Programs

Home for saleThe Center for American Progress Housing team submits comments to the Consumer Financial Protection Bureau on the qualified mortgage rule’s concurrent proposal.

By the CAP Housing Team | Friday, March 1, 2013

Why Arcane Mortgage Rules Matter for the Middle Class

homeownersHousing-finance policy decisions being made in Washington will determine whether working Americans and their children will be able to move into the middle class and achieve economic independence.

By David M. Abromowitz | Thursday, February 21, 2013

Examining the Proper Role of the Federal Housing Administration in Our Mortgage Insurance Market

Home saleJulia Gordon, Director of Housing Finance and Policy at the Center for American Progress, testifies before the House Committee on Financial Services.

By Julia Gordon | Wednesday, February 6, 2013

How the Debt Ceiling Fight Could Derail the Housing Recovery

A foreclosed homeFailure to raise the debt ceiling could have a significant effect on the U.S. housing market and seriously damage our recovery.

By Christian E. Weller | Thursday, January 17, 2013

The Housing Market Is Not Only for Homeowners

A woman walks next to a article icon Issue Brief As we chart the path to housing finance reform in the coming months, we must pursue approaches that create a lasting 21st-century finance system and meet the needs of both renters and homeowners.

By David M. Abromowitz | Monday, December 10, 2012

Building a New Infrastructure for the Secondary Mortgage Market

Home for SaleCAP’s Mortgage Finance Working Group offers suggestions to the Federal Housing Finance Agency to bring liquidity, stability, transparency, and private capital into the secondary mortgage market and ensure that borrowers have access to safe, sustainable, and affordable mortgage products.

By the Mortgage Finance Working Group | Wednesday, December 5, 2012

The Federal Housing Finance Agency Shouldn’t Punish Borrowers for State Foreclosure Timelines

Foreclosed homeComments from the CAP Housing Team outline how the agency’s plan for state-level guarantee fee pricing is an incorrect solution to elongated foreclosure timelines.

By the CAP Housing Team | Thursday, November 29, 2012

Fact Sheet: The Federal Housing Administration’s 2012 Actuarial Report

Home for sale article icon Issue Brief Seven key facts about the report and what you need to know about the agency's future.

By John Griffith | Monday, November 19, 2012

A Strong Housing Market Is Critical to Our Economic Recovery

Sale pendingSix reasons why lawmakers need to focus on housing to help spur the economy, rather than ignore this key sector and hope for the best.

By Sam Hughes | Thursday, November 15, 2012

The Housing Market Is on the Mend, and the Government Deserves Some Credit

The Federal Reserve BuildingThe federal government stepped in to support the housing market when it was in free fall, and we’re now starting to see the benefits.

By John Griffith | Monday, October 22, 2012

Capital Rules Should Promote Safety and Soundness

Home saleComments from the CAP Housing team, the Mortgage Finance Working Group, and several other leading housing and consumer advocacy organizations outline how capital rules should help promote long-term homeownership.

By the CAP Housing Team and the Mortgage Finance Working Group | Monday, October 22, 2012

The Federal Housing Administration Saved the Housing Market

House with Sold Sign article icon Issue Brief Without the cash-strapped agency’s help in recent years, the housing crisis and resulting economic downturn would have been much worse.

By John Griffith | Thursday, October 11, 2012

Strengthening the Consumer Financial Protection Bureau’s Proposed Mortgage Servicing Standards

Foreclosure signA comment letter from the Center for American Progress outlines three main ways the bureau can strengthen its proposed standards.

By Julia Gordon | Tuesday, October 9, 2012