FHA and Financial Regulatory Agencies

How Independent Federal Agencies Help Americans

Independent agencies protect Americans and their communities from bank failures, dangerous products, scams, transportation disasters, and everything in between.

How Trump and Musk defanging the SEC puts your financial future at risk

In an op-ed published by Fortune, Alexandra Thornton explains why the Trump administration and DOGE's dismantling of the Securities and Exchange Commission puts Americans' financial futures at risk.

CAP and GFI Comment Recommends Federal Agencies Use Existing Authority To Address AI in Financial Services Sector

The Center for American Progress and Governing for Impact urge federal financial regulatory agencies to use powers already under their authority to regulate AI.

Fact Sheet: Recommendations for Financial Regulatory Agencies To Take Further Action on AI

This fact sheet offers recommendations for how U.S. financial regulatory agencies can draw upon numerous existing statutory authorities to address the risks of artificial intelligence (AI) to the financial services sector.

Taking Further Agency Action on AI

This joint report from Governing for Impact and the Center for American Progress maps select agencies’ existing statutory authority to protect consumers, workers, and families from potential artificial intelligence harms.

The Lawsuit Against a New SEC Rule Could Harm Investor Protections

The U.S. Court of Appeals for the 5th Circuit’s decision on the legal petition against the SEC’s private fund advisers rule could open the door to broad attacks on the regulatory framework that Congress authorized the SEC to develop and enforce for capital markets.

The CFPB Is Cleaning Up Junk Fees

The Consumer Financial Protection Bureau has taken a series of actions to cut excessive and hidden junk fees in the financial marketplace, which will save consumers billions of dollars.

Regulators’ Bank Capital Proposals Don’t Go Far Enough To Improve Financial Stability

While the 2023 bank capital proposals make important improvements to the regulatory framework, new CAP empirical analysis shows that additions to bank equity are modest and must be larger to substantially enhance the stability of the largest banks.

CAP Comments on Regulators’ Proposals To Increase Bank Capital Requirements

The Center for American Progress submitted a comment letter to the Office of the Comptroller of the Currency, Federal Reserve, and Federal Deposit Insurance Corporation on their proposals to raise capital requirements for the largest banks—those with assets of $100 billion or more.

CAP Submits Comments to the Office of Information and Regulatory Affairs on the Federal Insurance Office’s Climate Risk Data Collection

The Center for American Progress submitted a comment letter to the Office of Information and Regulatory Affairs on the Federal Insurance Office’s climate-related financial risk data collection.

4 Things Bank Regulators Can Do to Help Prevent Bank Failures

In addressing the recent instability within the U.S. financial system, regulators must confront continuing risk and bank fragility.

5 Priorities for the Financial Stability Oversight Council

A vigorous FSOC could go a long way toward creating a U.S. financial system that is resilient and positioned to support long-term growth.

Fact Sheet: A Stronger Regulatory Framework for Shadow Banks

Improving the regulation of large, complex, and interconnected shadow banks and their activities would help to protect the economy from another financial collapse.

3 of Trump’s Regulatory Rollbacks Could Cost People Almost $42 Billion a Year

President Trump’s deregulatory agenda is hurting Americans in their paychecks, in their retirement savings, and at the pump.

President Trump’s Regulatory Rollbacks Are an Attack on Americans’ Wallets

The Trump administration is rewriting economic rules—and everyday Americans are paying the price.

10 Years Later: The Financial Crisis State by State

States were devastated by the financial crisis, and Congress should not plant the seeds of the next one through deregulation.

The Trump Administration Is Quietly Slashing Financial Stability Funding

Gutting funding for the Financial Stability Oversight Council and the Office of Financial Research does not save taxpayers a dime and makes the U.S. financial system less safe.

Reaching Families Outside the Financial System

Is the FHA Distressed Asset Stabilization Program Meeting Its Goals?

On DASP’s two-year anniversary, CAP provides recommendations for how the Federal Housing Administration can better help neighborhoods and homeowners while still saving money for taxpayers.

Rethinking the Federal Housing Administration

Senior Fellow Jim Carr delivers a speech at the American Enterprise Institute.

Protecting Consumers and Preserving Lending Programs

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

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

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

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

Seven key facts about the report and what you need to know about the agency's future.

Capital Rules Should Promote Safety and Soundness

Comments 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.