David Min

For Congressional Republicans, Wall Street Trumps Main Street Report

For Congressional Republicans, Wall Street Trumps Main Street

Republicans have weaponized an obscure legislative provision to quickly repeal nine rules issued under Dodd-Frank, raising the risks of another disastrous financial crisis.

Mar 1, 2017

David Min

International Mortgage Finance 101 Article

While most developed countries don't mimic the United States in supporting housing finance primarily through backing the mortgage securitization entities Fannie Mae, Freddie Mac, and Ginnie Mae, those countries do have their own methods of government support for housing finance. (AP/ Manuel Balce Ceneta)

International Mortgage Finance 101

David Min explains that all of the world’s advanced countries provide significant levels of government guarantees to their housing finance systems.

Jun 13, 2012

David Min

How Governments Around the World Help Homeowners Enter and Remain in the Middle Class Article

How Governments Around the World Help Homeowners Enter and Remain in the Middle Class

David Min counters the conservative claim that many governments worldwide don’t provide guarantees for mortgage finance.

Jun 7, 2012

David Min

The Global Importance of Government Guarantees in Mortgage Finance Report

Securitization is not an important source of mortgage financing for European countries. Rather, European governments guarantee the sources of funding that are most important for European mortgage finance—bank deposits, and to a lesser extent, bank-issued covered bonds. (AP/ Mark Lennihan)

The Global Importance of Government Guarantees in Mortgage Finance

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.

May 21, 2012

David Min

Ryan Budget Is a Fatal Blow to the Housing Market Article

"For sale" signs line the front yards of several houses in a Hollywood, Florida, neighborhood in 2008. The Ryan budget plan for fiscal year 2013 would be devastating for the housing market across the country.
(AP/Marianne Armshaw)

Ryan Budget Is a Fatal Blow to the Housing Market

David Min and John Griffith argue that the House Republican budget would remove government support to the mortgage market at a critical time.

Mar 23, 2012

David Min, John Griffith

Cause and Effect Report

Cause and Effect

David Min examines the allegations of the Securities and Exchange Commission's lawsuit against Fannie Mae and Freddie Mac.

Mar 6, 2012

David Min

Understanding the New Mortgage Foreclosure Settlement Article

Understanding the New Mortgage Foreclosure Settlement

David Min and Alon Cohen parse today’s announcement to see how it helps homeowners and housing markets while holding lenders accountable for the housing crisis.

Feb 9, 2012

David Min, Alon Cohen

Refinancing At-Risk Homeowners Report

A house with a "for sale" sign in front is seen in Newton, Massachusetts. The Obama administration announced changes today to its Home Affordable Refinance Program to help more people access the program. (AP/Steven Senne)

Refinancing At-Risk Homeowners

Sarah Wartell, David Min, and Jordan Eizenga analyze the proposed changes to the Home Affordable Refinancing Program.

Oct 24, 2011

Sarah Rosen Wartell, David Min, Jordan Eizenga

Renting Our Way Past the Home Foreclosure Crisis Article

A rental house in Indiana in bad need of being rehabilitated. Converting real-estate owned houses into affordable rental properties could help meet the demand for such housing. (Flickr/mobilene)

Renting Our Way Past the Home Foreclosure Crisis

Renting out government-owned foreclosed properties will create jobs, generate revenue, and expand affordable housing, argue David Min, Jordan Eizenga, and John Griffith.

Aug 11, 2011

David Min, Jordan Eizenga, John Griffith

A Strong Housing System Relies on a Solid Foundation Article

In this photo taken July 14, 2011, an existing home is shown for sale in Springfield, Illinois. (AP/Seth Perlman)

A Strong Housing System Relies on a Solid Foundation

David Min outlines key principles of mortgage finance reform and examines different approaches to executing this reform.

Jul 27, 2011

David Min

Why Wallison Is Wrong About the Genesis of the U.S. Housing Crisis Report

Peter Wallison wrote a dissent from both the Financial Crisis Inquiry Commission majority report and from his fellow Republican commissioners, in which he alone blamed the global financial crisis on U.S. affordable housing policies. This argument is clearly contradicted by the facts. (AP/Carolyn Kaster)

Why Wallison Is Wrong About the Genesis of the U.S. Housing Crisis

David Min reexamines his core criticisms of Peter Wallison’s dissent from the Financial Crisis Inquiry Commission, and responds to Wallison's latest criticisms.

Jul 12, 2011

David Min

Federal Debt Freeze Disaster Looming for Housing Market Article