The August issue reflects on Fannie Mae’s and Freddie Mac’s decade in conservatorship and examines CBO’s analysis of the costs that federal government will incur under various housing finance reform proposals. We take a brief look at proposed regulatory changes by FHFA and the progress that’s being made on the Single Security Initiative. This issue also provides a brief summary of Treasury’s proposals to modernize the mortgage origination and servicing process, by embracing technology advances and making necessary changes to regulations, which are stifling the digitization of mortgage lending. With housing prices now exceeding the pre-2008 highs, one has to ask—‘in housing, is this time different?’ With the U.S. economy booming, rates risking and trade wars ablaze, perhaps this time IS different.

 

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