Housing

Revealing Fannie Mae’s and Freddie Mac’s Budget Costs: A Step Toward GSE Elimination
www.heritage.org

Improper accounting for Fannie Mae’s and Freddie Mac’s budgetary impact has created the illusory effect that the government-sponsored enterprises (GSEs) represent a free lunch for Washington, which is encouraging higher spending and harming efforts to eliminate the entities.

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Johnson–Crapo Housing Finance Reform Misguided
www.heritage.org

The Johnson–Crapo bill would only protect investors and special interests at taxpayers’ expense.

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Fannie and Freddie 2.0: The Senate Does Not Get the Government Out of the Market
www.heritage.org

The approach being taken in the Senate would ensure that U.S. mortgage markets are slightly remodeled rather than completely reformed.

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Taking Stock: Shareholder Lawsuits No Barrier to GSE Dissolution
www.heritage.org

The legal claims against Fannie and Freddie are not without merit, but they should not impede needed efforts to dissolve the GSEs.

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Why Is Federal Housing Policy Fixated on 30-Year Fixed-Rate Mortgages?
www.heritage.org

The 30-year FRM is now the dominant mortgage product in the U.S., but it did not become so pervasive simply because of the GSEs.

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Five Guiding Principles for Housing Finance Policy: A Free-Market Vision
www.heritage.org

Housing finance reform will be successful only if policymakers embrace the basic principles inherent in a free market.

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Housing finance reform: It’s still about investment guarantees
www.heritage.org
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Government Policies Caused The Financial Crisis And Made the Recession Worse
www.heritage.org
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