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        Date Published Title Author
      2019Do the Poor Pay More for Housing? Exploitation, Profit, and Risk in Rental MarketsMatthew Desmond and Nathan Williams
      July 2018IMF Country Report on US IMF
      March 27, 2018Failure to learn from failure: The 2008 mortgage crisis as a déjà vu of the mortgage meltdown of 1994Natalya Vinokurova
      2018Real Trends: The Future of Real Estate in the United StatesAlbert Saiz, Arianna Salazar
      2018Sand Castles Before the Tide? Affordable Housing in Expensive CitiesGabriel Metcalf
      2018Homeownership and the American DreamLaurie S. Goodman and Christopher Mayer
      2017The Case for Housing Finance ReformJerome H. Powell
      2017The State of the Nation's Housing 2017
      2017Rental Affordability Is WorseningFreddie Mac
      November 2016Detecting Imbalances in House Prices: What Goes Up Must Come Down?Andre K. Anundsen
      July 29, 2016Mortgage Default Risk: New Evidence From Internet Search QueriesMarcelle Chauvet, Stuart Gabriel, Chandler Lutz
      June 2016A New Coalescence in the Housing Finance Reform Debate?Susan Wachter, PhD, and Patricia A. McCoy, JD
      May 2016Who Bears the Cost of Recessions? The Role of House Prices and Household DebtAtif Mian
      April 2016Who Wants Affordable Housing in their Backyard? An Equilibrium Analysis of Low Income Property DevelopmentRebecca Diamond
      March 2016Housing Finance at a Glance - A Monthly ChartbookUrban Institute
      2016 Credit, Securitization and Monetary Policy: Watch Out for Unintended ConsequencesAndrea Pescatori and Juan Solé
      2016Housing Policies in the United Kingdom, Switzerland, and the United States: Lessons LearnedChristian A. L. Hilber
      2016Housing Policies in UK, Switzerland, and USChristian Hilber, Olivier Schoni
      May 21, 2015Mortgage Contract Design - Implications for Households, Monetary Policy, and Financial StabilityJames McAndrews
      March 2015Next Steps in the Housing Finance Reform SagaSusan Wachter
      2015A Quantitative Analysis of the U.S. Housing and Mortgage Markets and the Foreclosure CrisisSatyajit Chatterjee and Burcu Eyigungor
      2015The State of the Nation's Housing 2015
      2015The Macroeconomic Relevance of Credit Flows: An Exploration of U.S. DataAlexander Herman, Deniz Igan, and Juan Sole
      2015Housing Survey - 2015Andreas Fuster and Basit Zafar
      December 2014Transitioning to Alternative Structures for Housing FinanceCongressional Budget Office
      November 2014The 2013 Home Mortgage Disclosure Act DataNeil Bhutta
      October 23, 20142015 Supervisory Scenarios for Annual Stress Tests Required under the Dodd-Frank Act Stress Testing Rules and the Capital Plan RuleFederal Reserve
      2014Aging and Real Estate Prices: Evidence from Japanese and US Regional DataYumi Saita
      2014Supply Constraints Are Not Valid Instrumental Variables for Home Prices Because They Are Correlated with Many Demand FactorsThomas Davidoff
      2014Quarterly Report on Household Debt and CreditFederal Reserve Bank of New York
      2014The Senate Banking Committee’s Proposal For Replacing Fannie Mae and Freddie Mac Jack Guttentag
      2014Regional US house price formation: One model ?ts all?Andre K. Anundsen
      2014Credit Risk Retention
      2014Labor Market Dynamics and Monetary Policy
      2014Abandonment and Adverse PossessionSally Brown Richardson
      November 2013Mortgage Market Conditions and Borrower Outcomes: Evidence from the 2012 HMDA Data and Matched HMDA–Credit Record DataNeil Bhutta
      June 2013Rethinking the FHAJoseph Gyourko
      2013Fannie Mae Progress ReportFannieMae
      2013The Obama Administration’s Efforts to Stabilize the Housing Market and Help American HomeownersU.S Department of Housing and Urban Development and the U.S Department of Treasury
      2013HUD FY 2012 Summary of Performance and Financial InformationU.S. Department of Housing and Urban Development
      2013A Pragmatic Plan for Housing Finance Reform (Full Report)Ellen Seidman
      2013A Pragmatic Plan for Housing Finance Reform (Executive Summary)Ellen Seidman
      2013Regulatory Capital Rules: Regulatory Capital, Implementation of Basel III, Capital Adequacy, Transition Provisions, Prompt Corrective Action, Standardized Approach for Risk-weighted Assets, Market Discipline and Disclosure Requirements, Advanced ApproacheThe Federal Reserve
      20132013 CFPB Dodd-Frank Mortgage Rules Readiness GuideConsumer Financial Protection Bureau
      2013The $5 Trillion Question: What Should We Do with Fannie Mae and Freddie Mac?John Griffith
      2013Resurrection of RMBSMark Zandi
      2013Will the Economic Recovery Shut Down?Freddie Mac
      2013Reps and Warrants - Lessons from the GSELaurie S. Goodman
      2013Liquidiy Coverage Ratio: Liquidity Risk Measurement, Standards and MonitoringOffice of the Comptroller of the Currency
      2013The Downs and Ups of FHA Lending: The Government Mortgage Roller Coaster RideMarsha J. Courchane
      2013A Profile of Housing and Health Among Older AmericansGary V. Engelhardt
      2013Volcker Rule Section 619 - Order Approving Extension of Conformance Period
      2013The Final rules for Section 619 of the Dodd-Frank Wall Street Reform and Consumer Protection Act
      2013Protecting Consumers from Irresponsible Mortgage LendingConsumer Financial Protection Bureau
      2013Ability-to-Repay and Qualified Mortgage Standards under the Truth in Lending ActConsumer Financial Protection Bureau
      2013Housing America's FutureBipartisan Policy Center
      June 2012US Basel III Final Rule: Visual MemorandumDavis Polk
      2012Conservator’s Report on the Enterprise’s Financial PerformanceFederal Housing Finance Agency
      2012GinneMae Annual ReportGovernment National Mortgage Association
      2012GinnieMae FY 2012 Report to CongressGovernment National Mortgage Association
      2012Credit standards and the bubble in US house prices: new econometric evidence John V. Duca
      2012Housing Assistance: Opportunities Exist to Increase Collaboration and Consider ConsolidationUnited States Government Accountability Office
      2012Building a New Infrastructure for the Secondary Mortgage MarketFederal Housing Finance Agency
      2012Shadow Banking: A Review of the LiteratureTobias Adrian
      2012U.S. Economic & Housing Market Outlook - November 2012Frank E. Nothaft
      2012Actuarial Review of the Federal Housing Administration Mutual Mortgage Insurance Fund Forward Loans for Fiscal Year 2012U.S. Department of Housing and Urban Development
      2012America’s Mortgage Laws in Historical PerspectiveAndra Ghent
      2012Did the Community Reinvestment Act (CRA) Lead to Risky Lending?Sumit Agarwal
      2012Banks' Liability Structure and Mortgage Lending During the Financial CrisisJihad C. Dagher
      2012Freddie Mac June 2012 Rental Market Economic OutlookFreddie Mac
      2012Credit Crunch: Is the CFPB Restricting Consumer Access to Credit?US House Committee on Oversight and Government Reform
      2012Review of Options Available for Underwater Borrowers and Principal ForgivenessUS Federal Housing Finance Agency
      2012Appraisals for Higher-Risk Mortgage Loans
      2012Foreclosure Externalities: Some New EvidenceKristopher Gerardi, Eric Rosenblatt, Paul S. Willen, and Vincent W. Yao
      2012Summary of Proposed Loan Originator Rules
      2012Treasury Department Announces Further Steps to Expedite Wind Down of Fannie Mae and Freddie Mac
      2012Phasing Out Fannie Mae and Freddie Mac: Is It Being Done Responsibly?Jack Guttentag
      2012Dissecting Saving Dynamics: Measuring Wealth, Precautionary, and Credit EffectsChristopher Carroll, Jiri Slacalek and Martin Sommer
      2012USA Country ReportInternational Monetary Fund
      2012The Negative Impact of a Government-Mandated 10 Percent Down Payment for Qualified Residential Mortgages (QRMs)Center for Responsible Lending
      2012Fair-Value Accounting for Federal Credit ProgramsDeborah Lucas
      2012Myths and Facts Regarding the FHA Single Family Loan Guarantee PortfolioFederal Housing Administration
      2012Addressing the Weak Housing Market: Is Principal Reduction the Answer?Edward J. DeMarco
      2012Dealing With Household DebtInternational Monetary Fund
      2012Preparing a Foundation for a More Efficient and Effective Housing Finance System: Strategic Plan Fiscal Years 2013-2017Federal Housing Finance Agency
      2012House of Cards: Reforming America’s Housing Finance SystemSatya Thallam
      2012The U.S. Housing Market: Current Conditions and Policy ConsiderationsBoard of Governors of the Federal Reserve System
      2011The Mortgage Market in 2010: Highlights from the Data Reported under the Home Mortgage Disclosure ActBoard of Governors of the Federal Reserve System
      2011Counterparty Credit Risk Management in the US Over-the-Counter (OTC) Derivatives MarketsISDA
      2011House Price Moments in Boom-Bust CyclesTodd Sinai
      2011The Future of the Government Sponsored Enterprises: The Role for Government in the U.S. Mortgage MarketDwight Jaffee
      2011The Supply Side of the Housing Boom and Bust of the 2000sAndrew Haughwout
      2011Can Cheap Credit Explain the Housing Boom?Edward L. Glaeser
      2011A Spatial Look at Housing BubblesDavid Genesove
      2011Mortgage Financing in the Housing Boom and BustBenjamin J. Keys
      2011Comments on "The Government’s Role in the Housing Finance System” by Karen Dynan and Ted GrayerDwight M. Jaffee
      2011Reform of the GSEs and Housing FinancePhillip Swagel
      2011Toward a Three Tiered Market for U.S. Home MortgagesRobert C. Pozen
      2011Taking the Government Out of Housing Finance: Principles for Reforming the Housing Finance MarketPeter J. Wallison, Alex J. Pollock, Edward J. Pinto
      2011Eliminating the GSEs as Part of Comprehensive Housing Finance ReformPeter J. Wallison
      2011Rental Housing on an UpswingFreddie Mac
      2011Credit Risk RetentionDepartment of the Treasury
      2011Is FHA the Next Housing Bailout?Joseph Gyourko
      2011Catastrophic Mortgage Insurance and the Reform of Fannie and FreddieJohn Quigley
      2011The Economics of Housing Finance Reform: Privatizing, Regulating and Backstopping Mortgage MarketsDavid Scharfstein
      2011U.S. Housing Reform Proposal FAQs: Filling the VoidFitch Ratings
      2011The Government’s Role in the Housing Finance System: Where Do We Go from Here?Karen Dynan
      2011Catastrophic Mortgage Insurance and the Reform of Fannie Mae and Freddie MacDiana Hancock
      2011Consolidated Regulation and Supervision in the United StatesAshok Vir Bhatia
      2011Taking the Government Out of Housing Finance: Principles for Reforming the Housing Finance MarketPeter J, Wallison, Alex J. Pollack, Edward J. Pinto
      2011The Impact of Legislation on Credit Risk—Comparative Evidence From the United States, the United Kingdom and GermanyChristian Schmieder and Philipp Schmieder
      2011May 2011 U.S. Economy and Housing Market OutlookFrank E. Nothaft
      2011Proposed Rules to Implement the Credit Risk Retention of the Dodd Frank Wall Street Reform and Consumer Protection Act & QRMThe U.S. OCC, Federal Reserve System Board, FDIC, SEC, FHFA, & HUD
      2011The Budgetary Cost of Fannie Mae and Freddie Mac and Options for the Future Federal Role in the Secondary Mortgage MarketTestimony Statement of Deborah Lucas
      2011Reforming America’s Housing Finance Market: A Report to CongressU.S. Treasury and Department of Housing and Urban Development (HUD)
      2011State of the Nation's Housing 2011Joint Center for Housing Studies of Harvard University
      2011Living in the Political Wake of the BubbleAlex J. Pollock
      2011Private Rental Housing in the United StatesStephen Malpezzi
      2011Home Sweet Home: Government’s Role in Reaching the American DreamEvridiki Tsounta
      2011Characteristics of “High Conforming Jumbo Mortgages” and Implications for the Impact of Reductions in the Conforming Loan Limits for Fannie Mae and Freddie MacFederal Housing Finance Agency
      2011Freddie Mac December 2011 Economic OutlookFreddie Mac
      2011Homeownership Education and Counseling: Do We Know What Works?J. Michael Collins
      2011Credit Risk Retention
      2011Consumer Ruthlessness and Mortgage Default During the 2007-2009 Housing BustNeil Bhutta
      2011Wall Street and The Financial Crisis: Anatomy of a Financial CollapseU.S. Senate: Permanent Subcommittee on Investigations
      2011Economic Geography, Jobs, and Regulations: The Value of Land and HousingNils Kok, Paavo Monkkonen, John M. Quigley
      2011Mortgage Market Note 11-02, Qualified Residential MortgagesFederal Housing Finance Agency
      2011Hearing on Legislative Proposals to Create a Covered Bond Market in the United StatesScott A. Stengel
      2011Worst Case Housing Needs 2011 - Report to CongressUS Deparment of Housing and Urban Development
      2011Government Policy and the Fixed Rate MortgageMichael Lea, Anthony B. Sanders
      2011Anatomy of the Beginning of the Housing BoomFernando Ferriera, Joseph Gyourko
      2010Summary of Key Provisions: Dodd-Frank Wall Street Reform and Consumer Protection Act
      2010Covered Bonds: Potential Uses and Regulatory IssuesKenneth A. Snowden
      2010Fannie and Freddie In Partes TresAlex J. Pollock
      2010Twelve Steps to Improve Housing FinanceAlex J. Pollock
      2010Banks and the Real Estate TemptationAlex J. Pollock
      2010A Study of Real Estate Markets in Declining CitiesJames R. Follain
      2010A Review of Statistical Problems in the Measurement of Mortgage Market Discrimination and Credit RiskAnthony M. Yezer
      2010Updated 2010-2020 Household and New Home Demand ProjectionsGeorge S. Masnick, Daniel McCue, and Eric S. Belsky
      2010Transfer and Assignment of Residential Mortgage Loans in the Secondary Mortgage MarketAmerican Securitization Forum, Inc.
      2010The Affidavit Fiasco—Implications for Investors in Private Label SecuritiesMBS Strategy Group
      2010The Depth of Negative Equity and Mortgage Default DecisionsNeil Bhutta
      2010Understanding the Boom and Bust in Nonprime Mortgage LendingEric S. Belsky
      2010Reassessing FHA RiskDiego Aragon
      2010Reforming the U.S. Mortgage Market Through Private Market IncentivesDwight M. Jaffee
      2010Two Faces: Demystifying the Mortgage Electronic Registration System's Land Title TheoryChristopher L. Peterson
      March 2009A Hometown Bank Heeds a Call to Serve Its Islamic ClientsSamuel Freedman
      February 2009Consumer Handbook on Adjustable-Rate MortgagesFederal Reserve
      2009Housing and the Financial Crisis: Causes, Consequences, CuresMichael Stone
      2009Spatial Patterns of Mortgage Delinquency in Major U.S. Metropolitan AreasPaul S. Calem
      2009House Prices, Home Equity-Based Borrowing, and the U.S. Household Leverage CrisisAtif R. Mian
      2009Fannie Mae and Freddie MacU.S. Government Accountability Office
      2009Moral and Social Constraints to Strategic Default on MortgagesLuigi Guiso
      2009Greenspan on Crisis Alan Greenspan
      2009Show Me The MoneyAaron S. Edlin
      2009Bank Stress Test Q and ASupervisory Capital Assessment Program
      2009Audit Report on Office of Thrift Supervision (OTS) Regulatory Ethical Failures The Department of the Treasury Office of Inspector General
      2009Why Don't Lenders Renegotiate More Home Mortgages? Redefaults, Self-Cures and SecuritizationManuel Adelino
      2009The Role of Government Affordable Housing Policy in Creating the Global Financial Crisis of 2008Committee on Oversight and Government Reform
      2009Understanding Strategic Default in Mortgages Part IExperian, Oliver Wyman
      2009Forced Sales and House PricesJohn Y. Campbell, Stefano Giglio, and Parag Pathak
      2009The Mortgage Crisis: US Versus DenmarkJack M. Guttentag
      2009The Government Sponsored Enterprises: Recovering From a Failed ExperimentDwight Jaffee and John M. Quigley
      2009Housing Policy, Mortgage Policy, and the Federal Housing AdministrationDwight Jaffee and John M. Quigley
      2009It Wasn’t a Bubble—It Was a Double BubbleAlex J. Pollock
      2009Reducing ForeclosuresChristopher L. Foote, Kristopher S. Gerardi, Lorenz Goette, Paul S. Willen
      April 2008New York State Department of Taxation and Finance: Advisory Opinion Jonathan Pessen
      2008Obsessed with public mortgage banking – the US should give the private sector a fair chanceHans-Joachim Dübel
      2008Interventions in Mortgage Default: Policies and Practices to Prevent Home Loss and Lower CostsAmy Crews Cutts, William A. Merrill
      2008Bankruptsy: Past Puzzles, Recent Reforms, and the Morgage CrisisMichelle J. White
      2008House Prices, Interest Rates, and the Mortgage Market MeltdownChristopher Mayer
      2008Mortgage Brokers in the UK versus the USJack M. Guttentag
      2008Why the System is Vulnerable to CrisisJack M. Guttentag
      2008The U.S. Subprime Mortgage Crisis: Issues Raised and Lessons LearnedDwight M. Jaffee
      2008The Sub Prime Crisis: Implications for Emerging MarketsWilliam B. Gwinner and Anthony Sanders
      2008The Sub-prime Problem: Causes and LessonsMark Adelson and David Jacob
      2008Locking the Mortgage Is Critical In a Volatile MarketJack M. Guttentag
      2008The U.S. Subprime Mortgage Crisis: Issues Raised and Lessons LearnedDwight M. Jaffee
      2007Hearings on Ending Mortgage Abuse: Safeguarding HomebuyersAnthony M. Yezer
      2007Mortgage Liquidity du Jour: Underestimated No MoreIvy L. Zelman, Dennis McGill, Justin Speer, and Alan Ratner
      2007180 Years’ Evolution of the US Mortgage Banking System: Lessons for Emerging Mortgage MarketsMan Cho
      2007180 Years' Evolution of the US Mortgage Banking System: Lessons for Emerging Mortgage MarketsMan Cho
      2006How US-Style Title Insurance is Transforming Risk Management in European Real Estate MarketsJean-Bernard Wurm
      2006A New Measure of the Local Regulatory Environment for Housing Markets: The Wharton Residential Land Use Regulatory IndexJoseph Gyourko, Albert Saiz, and Anita Summers
      2006Federal Credit and Insurance Programs: HousingJohn M. Quigley
      2005American ''Housing GSEs'': Past Triumphs, Present Tensions, Possible FuturesAlex J. Pollock
      2004Credit Reports and Credit Scoring: The US CaseJack M. Guttentag
      January 2003Mid-eastern Investment in U.S. Properties SoarsMichael Brick
      2002Mortgage Banking Unbundling: Structure, Automation and ProfitMichael Jacobides
      2002Equity Release MortgagesClarissa Huan
      2002Making Mandatory Mortgage Disclosure Effective: Some GuidelinesJack Guttentag
      2001The US Housing Finance System for Low-Income Families: A review of Recent Innovations and ChangesKenneth Temkin
      2001Innovations in Microfinance for Housing in the United States and Emerging Markets: Can We Transfer Methodologies?Dr. Sally Rose Merrill
      2001The MERS Reality: The Electronic Tracking of Mortgages in the United StatesKatie Oppy
      2001The Federal Home Loan Banks and Risk Distribution in American Housing FinanceAlex J. Pollock
      2001Mortgage Default Insurance: Credit Enhancement for OwnershipRoger Blood
      2001The Structure and Evolution of American Secondary Mortgage Markets, with Some Implications for Developing MarketsRobert Van Order
      2001Property Valuation Methods and Data in the United StatesCharles Calhoun
      2000Expanding Mortgage Insurance Beyond the United StatesDavid Liu
      2000The Potential of Scoring in International Mortgage LendingKen Palla
      2000Comment on Steven C. Bourassa and William G. Grigsby’s “Income Tax Concessions for Owner-Occupied Housing"Kerry D. Vandell
      2000Income Tax Concessions for Owner-Occupied HousingSteven C. Bourassa and William G. Grigsby
      1999Securitization: What is Different about the USA?Adrian Coles
      1999A New Housing Finance Option in the USA: MPF vs MBSAlex J. Pollock
      1998Partnerships for Housing and Community DevelopmentNorman B. Rice
      1997The State of Technology Use in the U.S. Mortgage IndustryJeff Lebowitz
      1996Private Mortgage Insurance in the United States
      1996Providing Alternatives to Mortgage Foreclosure: A Report to CongressCharles A. Capone, Jr.
      1995Introduction of the Mortgage Superhighway for Residential LendersJohn Koch
      1995Technology and Mortgage Banking in the United StatesJeff Lebowitz
      1995Housing Finance in Developing Countries: Lessons From North AmericaDouglas Diamond, Jr.
      1995The Non-profit Housing Movement in the United StatesF. Barton Harvey III
      1995Government-Sponsored Enterprises and the Transformation of the American Housing Finance SystemThomas Stanton
      1995Fannie Mae's Role in Serving Unmet Housing NeedsMartin D. Levine
      1995Affordable Housing, the Federal Home Loan Bank System and the Federal Home Loan Bank of CincinnatiCharles Thiemann
      1995Structural Changes in Housing Markets: The American, British, Australian and Canadian ExperiencesGeorge Fallis
      1995Structural Changes in Housing Markets: The American, British, Australian and Canadian ExperiencesGeorge Fallis
      1994Challenge and Change in the US Mortgage Market in the 1990sEllen Roche
      1994The Determinants of Mortgage Default: Contrasting the American and Swedish ExperiencesPatric Hendershott
      1994Interest Rate Regulation in US Housing FinanceFred Thompson
      1994Mutual-to-Stock Conversions in the United StatesJonathan Fiechter
      1993Housing Finance in Reforming Economies: The Joint World Bank USAID ExperienceMichael Cohen
      1991Savings & Loans in the US: Current Review & Future ProspectsMichael Wilson
      1990Past Trends and Current Realities in the US Housing MarketJohn A. Tuccillo
      1990Fannie Mae: A Leader in American Home FinanceRichard Eisenberg
      1990The 1989 Reform Legislation and its Impact on Savings Institutions in the USMichael Wilson
      1990Fannie Mae & the US Housing Finance System: A Model for Others?Bernard Sharfman
      1989US Agency Aims to Meet Challenge of Urban Growth
      1989The Crisis in the US Thrift IndustryMark Boleat
      1989The US Mortgage Market: a Statistical Overview
      1989Housing Finance in the USA in the 1990sWarren Lasko
      1989Major Changes in US Secondary MarketsRobert Van Order
      1989The Largest US Thrifts
      1988Adjustable Rate Mortgages - the US ExperienceMichael Wilson
      1988How AID Works in Developing Countries
      1988Land and Housing Policies in Europe and the USA book review
      1986Capital Markets: US Housing Credit Agencies Forge an International ConnectionLeland Brendsel
      1986US Savings Associations Stage a RecoveryNorman Strunk
      1986Computers Ease Work in the US Mortgage MarketNatalie McKelvy
      1986Has the United States Overinvested in Housing?Edwin S. Mills
      1986Dawn of a new legislative era for Housing FinanceHousing Finance International
      1974The Residential Mortgage Market in Recent Years: Structural Changes, Sectoral Behavior, and the Cost & Availability of Mortgage CreditFederal Reserve Bank of Richmond
      1974Investor Participation in Financing Residential Mortgages: 1963-1972Federal Reserve Bank of Richmond
      Implications of Fiscal Policy for Housing Tenure DecisionsAnastasia Girshina
      Measuring House Price BubblesSteven C. Bourassa
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