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Housing, Mortgages, Fannie Mae and Freddie Mac

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• The Fed’s Unstable Housing Reform Foundation
  A critique of the ideas in the housing policy white paper the Federal Reserve should not have written
  Anthony Randazzo
  January 18, 2012
• Chicago Crosses the Line In Trying to Maintain Property Values
  Banks that comply with Chicago's new law may be liable for burglary, trespassing, or similar crimes.
  Anthony Randazzo
  January 6, 2012
• The Fannie and Freddie Conservatorship Cannot Last Forever
  Time to end the taxpayer guarantee of mortgage investors
  Anthony Randazzo and Christopher Papagianis
  November 14, 2011
• The Impact of Fannie and Freddie's Loan Limits
  How might increasing the conforming loan limit impact the housing market?
  Anthony Randazzo
  November 7, 2011
• Stop Mortgage Investor Bailouts
  An open letter to Occupy Wall Street
  Anthony Randazzo
  October 21, 2011
• Did Fannie Mae Bail Out Bank of America?
  Fannie Mae agreed to buy the mortgage servicing rights of a portfolio of loans from BofA, but the purchase price is unknown because absolutely no one is talking
  Anthony Randazzo
  September 14, 2011
• Ending a Failed Social Policy
  A Case for Dropping the Mortgage Interest Deduction
  Anthony Randazzo and Dean Stansel
  August 19, 2011
• The Myth of the Middle Class Mortgage Deduction
  The mortgage interest deduction no longer primarily benefits the middle class
  Anthony Randazzo
  August 5, 2011
• The Falling Middle Class Deduction
  AOTC: Most of the benefits of the mortgage interest deduction are no longer for the middle class
  Anthony Randazzo
  August 2, 2011
• A New Blueprint for Recovery
  AOTC: What Ails the Economy Today and What to Do About Fixing Tomorrow
  Anthony Randazzo
  July 8, 2011
• The Debt Ceiling Walks the Red Carpet
  If Congress and the president can't agree on spending cuts, they should consider ending Fannie and Freddie in exchange for a short-term increase in the debt ceiling.
  Anthony Randazzo and Satya Thallam
  June 27, 2011
• Renters are Fiscally Responsible Too
  Three reasons renting should be a part of the American Dream
  Anthony Randazzo
  June 14, 2011
• Affordable Housing Means Your House Is Worth Less
  Consumer advocates have their priorities backwards.
  Anthony Randazzo
  June 9, 2011
• The Myth of Homeownership Wealth Creation
  AOTC: Homeownership is a decent savings account that grows with inflation, but it is not a wealth builder as many believe
  Anthony Randazzo
  April 26, 2011
• The Fate of the Mortgage Monsters
  A great diagnosis of Fannie and Freddie, a weak prescription
  Anthony Randazzo
  April 18, 2011
• Canadian lessons from Fannie & Freddie
  The CMHC controls roughly 70% of the mortgage insurance market — covering approximately $519-billion worth of assets
  Jesse Kline
  April 14, 2011
• Housing Finance Reform Creeps Forward
  After three years of ignoring the mortgage monsters, House Democrats now think Congress is moving too fast to get rid of them.
  Anthony Randazzo
  April 8, 2011
• A Treasury GSE Management Failure
  It is time for Treasury to fulfill it's management responsibility of GSE debt issuances
  Anthony Randazzo
  March 24, 2011
• A Dysfunctional Fix to a Dysfunctional System
  The new mortgage servicing regulation proposals are good for regulators, bad for homeowners.
  Anthony Randazzo
  March 18, 2011
• The Truth About Fannie and Freddie’s Role in the Housing Crisis
  Separating economic myth from economic fact
  Veronique de Rugy
  March 4, 2011
• Housing Finance Reform: The Three Actions Politicians Could Take
  It's possible that real reform could take root. But it will be a tricky minefield to cross to get there.
  Anthony Randazzo
  March 4, 2011
• The End of Fannie and Freddie
  Obama plan offers Tea Party and GOP a chance to privatize housing market
  Anthony Randazzo
  February 21, 2011
• The Truth About Housing Prices
  Separating economic fact from economic myth
  Veronique de Rugy
  February 18, 2011
• How to Start the Housing Reform Process
  Ten ideas to reform mortgage finance in the near-term while laying the ground work for long-term changes
  Anthony Randazzo
  February 10, 2011
• It Can Happen Here
  Government really can be cut: case studies from Canada, New Zealand, and the United States
  Arnold Kling, Maurice McTigue and David Henderson
  October 12, 2010
• Nightmare on Every Street
  How to carve Fannie and Freddie into pieces
  Alex J. Pollock
  October 11, 2010
• Dissecting the Geithner View on Housing Reform
  Secretary Geithner is making too many assumptions before the housing debate begins
  Anthony Randazzo
  August 19, 2010
• Ignoring the Gigantic Subprime Elephants in the Room
  The Dodd-Frank Act kicked the can down the road on Fannie Mae and Freddie Mac reform
  Anthony Randazzo
  July 29, 2010
• Bulldozing the American Dream
  It’s time to kick Fannie Mae and Freddie Mac out of the housing market
  Anthony Randazzo
  March 8, 2010
• Not Change, More of the Same
  Ignoring history is not the path to effective financial services reform
  Anthony Randazzo
  December 14, 2009
• Reducing Greenhouse Gas Emissions Without Reducing Mobility
  Focusing on cutting vehicle miles traveled is the wrong approach
  Robert Poole
  June 9, 2009
• Recognizing the Limits of Transit-Oriented Development
  Examining whether or not transit and light rail stations drive economic development
  Samuel Staley
  May 18, 2009
• Examining Sprawl in Europe and America
  Europeans are moving to the suburbs too
  Wendell Cox
  January 16, 2009
• Dayton, Ohio: The Rise and Fall of a Former Industrial Juggernaut
  What Dayton can tell cities about staying competitive in today's global economy
  Samuel Staley
  August 11, 2008
• 5 Myths About Suburbia and Our Car-Happy Culture
  Congestion crisis is here, but filled with misinformation
  Ted Balaker and Samuel Staley
  January 28, 2007
• Delhi Dilemma
  Will anti-business planners improve quality of life?
  Shikha Dalmia
  December 19, 2006
• Growth Buffers Are Wrong Tool for Indiana Planners
  Plan will likely prevent local housing market from meeting emerging housing demands
  Samuel Staley
  August 16, 2006
• Suburban Style Evolution
  McDonald's, Wal-Mart, and tract homes are making many in suburbia very happy
  Ted Balaker
  August 16, 2006
• What Jane Jacobs Really Saw
  Today's urban planners falsely claim her legacy
  Leonard Gilroy
  May 2, 2006
• Slender in Suburbia
  Do the suburbs make us fat?
  Ted Balaker
  March 16, 2006
• Big Stake in Wetlands Case
  Existing wetlands already outsize California and feds want more
  Shikha Dalmia and Leonard Gilroy
  February 20, 2006
• Indirect Source Regulation: The Latest Front in the Sprawl War
  Taxing new development won't clean the Central Valley's air
  Leonard Gilroy
  December 28, 2005
• How Zoning Keeps Homes Out of Reach, Increases Prices
  Zoning laws should reflect community needs
  Samuel Staley
  December 19, 2005
• Poor Planning, Growth Laws Hurt Ohio Town
  Anti-growth forces face reality check
  Samuel Staley
  October 16, 2005
• Denver Permit Process Fixes Must Be Tracked
  Performance assessments needed to get the most from reform effort
  Leonard Gilroy
  August 7, 2005
• Regulating the Land Market
  Canadians more likely to achieve growth-management objectives via markets
  Samuel Staley
  June 1, 2005
• Questionable Benefits of a New Indy Stadium
  Purported benefits are another snow job
  Samuel Staley
  January 2, 2005
• Baseball Boondoggle
  Why should D.C. own a baseball stadium?
  Adam Summers
  December 23, 2004
• Moratoria on Growth Signal Failure of Planning
  Moratoria are bold evidence of poor political leadership
  Samuel Staley
  November 16, 2004
• Taking a Lesson in Math to Limit Urban Sprawl
  Big projects and growth curbs have little positive effect
  Chris Fiscelli
  November 15, 2004
• Let's Pretend
  Faulty smart growth survey is misleading
  Joel Schwartz
  October 22, 2004
• Does Sprawl Really Kill?
  Sprawl/health studies don't live up to hype
  Samuel Staley
  October 1, 2004
• LA To OC: Resist NFL's Siren Call
  Team owners should build stadium if they want to enter market
  Samuel Staley
  August 29, 2004
• Can Downtowns Survive the 21st Century?
  The future of the downtown is uncertain
  Samuel Staley
  August 15, 2004
• An Artificial Farmland Crisis
  Farmland is hardly an in-demand resource
  Owen Courrèges
  July 7, 2004
• Last Chance for Roseville
  Owen Courrèges
  July 1, 2004
• Hayek's View of New Urbanism
  New Urbanists choose force, not markets
  Owen Courrèges
  June 13, 2004
• Smart Growth Snake Oil
  Smart growth panacea won't work
  Owen Courrèges
  May 19, 2004
• The Irony of Governor Romney's Urban Planning Proposals
  Governor should learn from, not ridicule, Houston
  Owen Courrèges
  May 5, 2004
• San Diego's Growth Future Is Up For Grabs
  Area should let market decide
  Chris Fiscelli
  December 18, 2003
• It's Not About the Sprawl
  Don't blame growth for So Cal's problems
  Chris Fiscelli
  December 13, 2003
• Urbanfutures.org Named Top 50 Planning and Development Website of 2003
  October 20, 2003
• Private Property Rights and Local Control: Can We Have Both?
  New approach to development process needed
  Chris Fiscelli
  September 15, 2003
• Zoning Needs An Overhaul
  Current approach distorts markets and stifles innovation
  Chris Fiscelli
  September 2, 2003
• Smart Growth Dream Will Give You Nightmares
  Contra Costa should avoid draconian anti-sprawl measures
  Chris Fiscelli
  June 30, 2003
• Growth Boundaries Sound Good, but Lack Substance
  Contra Costa should avoid growth boundaries
  Chris Fiscelli
  June 23, 2003
• An Interview with Dr. Barton Smith on Urban Decentralization
  Real estate expert discusses decentralization, rail, and more
  Chris Fiscelli
  June 11, 2003
• A New Sense of Community - Master Planned
  Communities are private sector innovation
  Chris Fiscelli
  June 5, 2003
• Smart Growth Types' Dumb Rhetoric
  Linking suburbs to obesity just an attempt at social engineering
  Chris Fiscelli
  May 19, 2003
• Preserving California's Farmland and Open Space Through PDRs
  PDRs more flexible than tax subsidies
  Chris Fiscelli
  May 14, 2003
• Should We Subsidize "Smart Growth"?
  Subsidizing "smart" development won't relieve congestion
  Chris Fiscelli
  May 12, 2003
• Dealing with California's Statewide Growth Challenges
  Growth best addressed at the local level
  Adrian Moore
  May 9, 2003
• Libertarians At the Gates Of New Urbanism
  Considering a market-oriented approach to new urbanism
  Samuel Staley
  April 28, 2003
• Market-Oriented New Urbanism
  New urbanists should distance themselves from the smart growth agenda
  Chris Fiscelli
  April 21, 2003
• Does California Really Need More Planning?
  Development should be a reaction to market demand
  Chris Fiscelli
  March 26, 2003
• The Vast, Right-wing Sprawl Conspiracy?
  Smart growthers misunderstand free-market approach
  Leonard Gilroy
  March 20, 2003
• Study Suggests Challenges to Building Regional Anti-Sprawl Coalitions
  Forming coalitions may be easier said than done
  Leonard Gilroy
  January 27, 2003
• The American Dream is Alive and Well in California
  Californians not ready to embrace "smart growth"
  Leonard Gilroy
  December 9, 2002
• Making People and Environment Better Off in India
  Property rights at crux of environmental protection
  Michael De Alessi
  September 24, 2002
• The Human Face of Smart Growth Opposition
  Concerns of smart growth skeptics given more weight
  Leonard Gilroy
  September 13, 2002
• Conservation Subdivision Design
  A market-friendly approach to local environmental protection
  Leonard Gilroy
  August 6, 2002
• Why the Centers for Disease Control Hates the Suburbs
  Public health community is wrong about suburbs
  Joel Schwartz
  July 30, 2002
• True Smart Growth
  Markets offer the widest range of options
  Samuel Staley and Matthew Hisrich
  May 21, 2002
• The Technology-Migration Paradigm and Urban Sustainability
  Technology's influence in shaping regions can't be ignored
  Samuel Staley
  April 25, 2002
• Outsmarting Growth's Impacts in Virginia
  Virginians must avoid the mistakes of the past
  Samuel Staley
  April 17, 2002
• Smart Growth, Growth Management, and Housing Affordability in Washington State
  A Response to 1000 Friends of Washington
  Samuel Staley and Leonard Gilroy
  March 18, 2002
• Restricting Housing Not Answer to Ohio's Growth Problems
  Growth control advocates want to restrict housing choices
  Samuel Staley and Matthew Hisrich
  January 16, 2002
• Church's Campaign Against Sprawl May Do More Harm Than Good
  Church's approach to growth problems is naive
  Samuel Staley
  November 29, 2001
• Harry Potter and the Future of Smart Growth
  What does the movie says about American living standards?
  Samuel Staley
  November 27, 2001
• Urban Sprawl: Good for Minorities?
  Sprawl reduces the black/white housing consumption gap
  Leonard Gilroy
  October 26, 2001
• Concept Misused: Impact Fees an Inexact Science
  Atlanta officials should consider abandoning impact fees
  Samuel Staley
  October 17, 2001
• What Can We See In Manhattan's Urban Future?
  Staley examines potential market responses to attacks
  Samuel Staley
  October 5, 2001
• Our Relationship with the Built Environment in the Aftermath of Terrorist Attacks
  A free society should embrace tolerance and diversity
  Leonard Gilroy
  September 28, 2001
• Statistics on Sprawl Meaningless if They Oversimplify
  "Sprawl index" oversimplifies a complex process
  Samuel Staley
  July 22, 2001
• Market-Oriented Planning: Out of the Smart Growth Abyss
  A better approach to growth management
  Samuel Staley
  January 1, 2001
• Smart Growth, Markets and the Future of the City
  A better approach to growth management
  Samuel Staley
  November 1, 2000
• Poor Communities, Small Builders will Bear Burden of Ballot-box Zoning
  Ballot-box zoning will hurt Arizona families
  Samuel Staley
  November 1, 2000
• Urbanization Trends Don't Threaten US Quality Of Life
  Despite sprawl hype, the sky is not falling
  Samuel Staley
  December 31, 1999
• Effective Sprawl Solutions Found in Market, Not Regional Planning
  Sierra Club gets it wrong on sprawl
  Samuel Staley
  October 24, 1999
• The Price of Urban Growth Controls
  San Diego should avoid growth boundaries
  Samuel Staley
  August 8, 1998
• Market-Oriented Approach to Farmland Preservation Best Bet for Michigan
  Preservation should be addressed through voluntary, market-based approaches
  Samuel Staley
  July 6, 1998
• Urban Sprawl: Michigan's Bogeyman of the 1990s?
  Attempts to stop sprawl will hurt quality of life
  Samuel Staley
  March 2, 1998
• Urban Sprawl: A Grassroots Defense
  Hostility towards suburbs is misplaced
  Samuel Staley
  December 1, 1997
• Portland, Metro and The Plan: Boon or Bane for Regional Development?
  Portland's reality is far less persuasive than its press
  Samuel Staley
  November 1, 1997

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