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For Whom Are We Building the American Dream? The Role of Subsidies in the Economics of Housing
Leaders from across the political spectrum articulate the virtues of homeownership. As express
ed in the above quotations, both Republican and Democratic presidents emphasize that homeownership is part of the American dream.
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JOBS Act Titles V and VI: Comments on Proposed Changes to Exchange Act Registration Requirements
Commentary from the Milken Institute Center for Financial Markets to the Securities and Exchange Co
mmission on proposed changes to the registration requirements under the Securities Exchange Act of 1934 to implement Titles V and VI of the Jumpstart Our
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The Dodd-Frank Act: Key Features, Implementation Progress, and Financial System Impact
The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) of 2010 provides for a w
ide variety of new regulatory and supervisory initiatives with the goal to promote a safer and sounder banking system.
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Comment Letter to the FDIC: Proposed Guidance for Third-Party Lending
The Milken Institute Center for Financial Markets provided comments to the Federal Deposit Insuranc
e Corporation (FDIC) request for comment on proposed guidance for third-party lending.
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Comments on the SEC’s Proposed Rule Amendments to Facilitate Intrastate and Regional Securities Offerings
The Milken Institute Center for Financial Markets (CFM) provided written comments to the U.S.
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Do You Own Your Home—or Does Your Mortgage Own You?
Since the financial crisis, lenders and borrowers have shown greater appreciation for the risks in
highly leveraged mortgage lending. The federal government has not.
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FinTech: Who Regulates It and Why It Matters
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Legislative Approaches to Housing Finance Reform
By the standards of the contemporary American political system, proposals to reform the U.S.
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The Last Crisis, the Next Crisis, and the Future of Large Banks
The future of large banks depends on the effectiveness of the post-crisis regulatory system, which
is ironic: the reaction of large banks to the 2010 Dodd-Frank law was broadly negative, even while many people working at large banks recognized that chan
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Why Housing Reform Still Matters
Eight years after the mortgage meltdown, America’s housing system remains broken, serving neither t
axpayers nor homeowners properly.
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Securitization: Positive Instrument to Help Fund the Sustainable Development Goals
Securitization is needed to help mobilize private capital and fill the estimated $2.5 trillion annu
al financing gap that hinders achievement of the sustainable development goals (SDGs).
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Understanding and Identifying Gaps in Employer Mental Health Resources
About 60 million Americans live with mental health conditions, and nearly half of those go without
treatment. The COVID-19 pandemic widened the gap between employers and employees on mental health in the workplace.
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