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Finance Reform

Expanding Access Through Responsible Innovation: The Market Access Fund

article icon Fact Sheet The Market Access Fund can help our housing finance system innovate new products and serve all markets.

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Essential Elements of Housing Finance Reform

Julia Gordon, Director of Housing Finance and Policy at the Center for American Progress, testifies before the Senate Committee on Banking, Housing, and Urban Affairs Committee about housing finance reform.

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A Comparison of Plans to Reform Our Housing Finance System

The CAP Housing Team presents summaries of 26 plans to reform the U.S. housing finance market.

Transitioning to a New System for Multifamily Finance

The Mortgage Finance Working Group lays out steps to transform how we fund rental housing.

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Why President Obama’s Housing Speech Matters to Young People

Housing finance reform has big implications for Millennials’ lifestyles, financial security, and well-being—which is why it’s time for them to pay attention.

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Public Proposals for the Future of the Housing Finance System

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

A Responsible Market for Rental Housing Finance

book_alt2 icon Report CAP's Mortgage Finance Working Group offers recommendations in this report for the troubled multifamily rental housing market.

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Building a New Infrastructure for the Secondary Mortgage Market

CAP’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.

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7 Things You Need to Know About Fannie Mae and Freddie Mac

article icon Issue Brief Fannie and Freddie remain two of the world's largest financial institutions, but most Americans understand very little about the two mortgage giants.

Paving the Path to a More Responsible System of Housing Finance

CAP’s Mortgage Finance Working Group provides comments on the Federal Housing Finance Agency’s draft strategic plan.

The Global Importance of Government Guarantees in Mortgage Finance

article icon Issue Brief David Min details the several ways the U.S. government guarantee on residential mortgages works and then compares those processes with the very different but equally important government role in guaranteeing home mortgages across Europe.