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Testimony: U.S. House of Representatives Committee on Financial Services Subcommittee Housing and Insurance: “Sustainable Housing Finance, Part III”
Ted Tozer, Senior Fellow in the Housing Finance Program at the Milken Institute Center for Financia
l Markets, presents in his written testimony before the U.S.
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Twelve Things You Need to Know About the Housing Market
It was six years ago this week that the Federal Housing Finance Agency placed Fannie Mae and Freddi
e Mac into conservatorships. Since then, the US housing system has made significant progress, yet critical challenges and much work remain.
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A Primer and Perspective on Ginnie Mae
Several housing finance reform models, including the Treasury and HUD plans recently issued at the
direction of the
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Rethinking Appraisals in a Modernized Housing Finance System
Ed DeMarco considers the recent evolution of the home appraisal industry and its role in a future h
ousing finance system that relies on private capital. He explores the issues facing the industry, including content, standards, and regulation.
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COVID-19 Forbearance Relief and PLS: A Call for Self-Governance
As private-label residential mortgage-backed security (PLS) transactions implement loan payment for
bearance options for borrowers impacted by COVID-19, the PLS industry must demonstrate its capacity to self-govern by collaborating on a related set of un
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The Role of a Duty to Serve in the Secondary Mortgage Market
A much-debated concept to support affordable housing is that of a duty to serve (DTS) policy, which
would impose an obligation on the secondary mortgage market institutions of Fannie Mae and Freddie Mac or their successors to ensure that adequate lendin
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A Blueprint for Administrative Reform of the Housing Finance System
This paper sets out proposed administrative actions to reform the housing finance system in the abs
ence of legislation.
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Affordable Rent and Access to Homeownership: Refreshing the Debate in the Context of Housing Finance Reform
The continuing policy debate over restructuring the plumbing of the secondary mortgage market may u
ltimately prove to be the easy part—at least politically—of housing finance reform.
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Creating Pathways to Sustainable Homeownership That Builds and Retains Wealth
The challenges of achieving homeownership, particularly for lower- and moderate-income families, re
main a perennial issue in housing policy.
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(Re-)Creating a Market for Mortgage Credit Risk
Remarks as prepared for delivery to the American Enterprise Institute’s Fourth Annual&
nbsp;International Conference on Housing Risk
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An Affordable Housing Fee in the Context of GSE Reform
Among the many stumbling blocks to achieving bipartisan housing finance reform are deep-seated diff
erences in lawmakers views on the role of government sponsored enterprises (GSEs), or their potential successors, in affordable housing.
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Bringing Housing Finance Reform over the Finish Line
The housing finance reform debate has regained momentum, as those involved aim to move towards bipa
rtisan housing finance system legislation in 2018.
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