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e21 Asks: Privatizing or Eliminating Government Programs
This week, we gave readers four choices of government programs, and asked them to pick one to eliminate or privatize. The Department of Education was the most popular candidate for elimination,...
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The Illusion of Reform and the Next Housing Crisis
This article is adapted from the authors’ new book, Fragile by Design: The Political Origins of Banking Crises and Scarce Credit (Princeton University Press, 2014). Is America’s housing finance crisis...
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Is it Fannie and Freddie’s Turn to Bailout the U.S. Treasury?
As e21 first pointed out last October, Fannie Mae and Freddie Mac are extremely profitable. The cash flow relationship between the government-sponsored enterprises (GSEs) and the Federal Government has...
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Fannie and Freddie's Huge Profits Raise Questions for Future of Mortgage Finance
Click here for a printer-friendly version of this article.Never have the government-sponsored enterprises (GSEs) dominated the U.S. mortgage market as they do today. Through June 2012, the GSEs (Fannie...
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Restoring Trust in Mortgage-Backed Securities
The mortgage finance market has leaned heavily on government support over the past few years. More than 90 percent of mortgages originated in 2011 were securitized by government entities using taxpayer...
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Reflections on Barney Frank’s Legacy
Now that former House Financial Services Committee Chairman Barney Frank has announced that he will retire from Congress at the end of next year, policy analysts can begin to access the legacy of one...
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e21's Chris Papagianis's House Financial Services Committee Testimony
Statement by Christopher PapagianisManaging Director of the New York City office of e21: Economic Policies for the 21st CenturyBefore the Subcommittee on Capital Markets and Government Sponsored...
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Risk Retention: Cracks in the GSE Reform Coalition
Earlier this week, the American Banker published an article on an emerging deal between all the key banking and finance regulators that could have a big impact on whether the future of housing finance...
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A Big Two Weeks For The Housing Policy Debate
Click here for a printer-friendly version of this article.After nearly 30 months of conservatorship, the new House and the Administration are expected to signal just how they plan to reform Fannie Mae...
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Nader Raises Good Points about the GSEs
In the WSJ last week, Ralph Nader authored an interesting op-ed about the consequences of federal conservatorship on the investors of Fannie and Freddie. Mr. Nader’s thesis is that the “mistreatment of...
View ArticleKrugman Knocks Down Strawman
Last week, New York Times columnist Paul Krugman cited a Huffington Post article about divisions within the Financial Crisis Inquiry Commission (FCIC) to try and embarrass certain members of the...
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Barney Frank’s Plan: Fannie and Freddie as Government Profit Machines
Click here for a printer-friendly version of this articleIn 2008, at the height of the turmoil in the housing and financial markets, the federal government took over Fannie Mae and Freddie Mac, the two...
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Regulator Updates Bailout Cost Estimates for Fannie and Freddie
Today, the Federal Home Loan Finance Agency (FHFA) released updated projections for the ultimate cost of the Fannie Mae and Freddie Mac bailout. Modeled after the 2009 bank “stress test,” the FHFA...
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e21 Contributor Phillip Swagel Testifies Before the Committee on Financial...
Testimony of Phillip L. SwagelBefore the Committee on Financial Services U.S. House of Representatives“The Future of Housing Finance: A Review of Proposals to Address Market Structure and...
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Reform the Forgotten GSE
Click here for a printer-friendly version of this articleThe Administration has made clear that it intends to address housing finance reform as soon as financial regulatory reform is concluded. To...
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