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Housing and Consumer Finance: Archives

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

Congress Could Help ‘Quantitative Easing’ Reach Main Street

Home for saleThree plans to help millions of families take advantage of low interest rates through mortgage refinancing are now before Congress, but Congress is slow to act.

by John Griffith | Wednesday, September 19, 2012

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

Fannie Mae sign 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.

by John Griffith | Thursday, September 6, 2012

It’s Time to Talk About Housing

article icon Issue Brief John Griffith, Julia Gordon, and David Sanchez lay out seven essential questions the presidential candidates need to answer on housing.

by John Griffith, Julia Gordon, David Sanchez | Wednesday, August 15, 2012

Time to Make an Offer FHFA Can’t Refuse

The agency stands in the way of principal reductions by mortgage financiers Fannie Mae and Freddie Mac, but the Treasury Department can fix that, writes John Griffith.

by John Griffith | Thursday, August 2, 2012

The $5 Trillion Question: What Should We Do with Fannie Mae and Freddie Mac?

John Griffith reviews the role Fannie and Freddie play in the housing market and why we need to transition to a new system of housing finance that includes less government support.

by John Griffith | Thursday, August 2, 2012

Interactive: Comparing Fannie Mae and Freddie Mac Reform Plans

cursor icon Interactive John Griffith examines 21 ideas for transitioning the government-sponsored enterprises to a new system of U.S. housing finance.

by John Griffith | Thursday, August 2, 2012

Investor Interest Shouldn’t Derail Rehab-to-Rent Pilot

Alon Cohen explains that selling Fannie Mae’s foreclosed properties individually is risky while selling the properties in bulk ensures these foreclosed properties provide affordable, stable rental housing.

by Alon Cohen | Wednesday, June 27, 2012