October 29, 2014

Reiss on Home Mortgage Disclosure Act Proposed Rulemaking

By David Reiss

I have submitted a Comment on Home Mortgage Disclosure Act Proposed Rulemaking to the Consumer Financial Protection Bureau.  Basically, I argue The Consumer Financial Protection Bureau’s Home Mortgage Disclosure Act proposed rulemaking (proposed Aug. 29, 2014) is a reasonable one.  … Continue reading

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October 29, 2014 in Regulation | Permalink | No Comments

October 28, 2014

Reiss on Who Should Be Providing Mortgage Credit to American Households?

By David Reiss

I have posted a short Response, Who Should Be Providing Mortgage Credit to American Households?, to SSRN (as well as to BePress).  The abstract reads, Who should be providing mortgage credit to American households? Given that the residential mortgage market is … Continue reading

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October 28, 2014 in Regulation | Permalink | No Comments

October 27, 2014

Reiss and Lederman on Affordable Housing Goals

By David Reiss

Jeff Lederman and I have posted our comment to the FHFA’s proposed housing goals for Fannie Mae and Freddie Mac for 2015 through 2017.  We argue, As the FHFA sets the housing goals for 2015-2017, it should focus on maximizing … Continue reading

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October 27, 2014 in Regulation | Permalink | No Comments

October 23, 2014

Tall Mortgage Tales

By David Reiss

Todd Zywicki has posted The Behavioral Law and Economics of Fixed-Rate Mortgages (and Other Just-So Stories) to SSRN. The article contains SPOILER ALERT! a spoof, in order to make a larger point. The abstract reads, A major cause of the … Continue reading

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October 23, 2014 in Regulation | Permalink | No Comments

October 22, 2014

Housing Vouchers for Landlords

By David Reiss

Collinson and Ganong have posted The Incidence of Housing Voucher Generosity to SSRN. The abstract of this important paper is a little technical for non-economists. It reads: What is the incidence of housing vouchers? Housing voucher recipients in the US … Continue reading

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October 22, 2014 in Regulation | Permalink | No Comments

October 21, 2014

Reiss on Easing Credit

By David Reiss

Law360 quoted me in With Lessons Learned, FHFA Lets Mortgage Giants Ease Credit (behind a paywall). It reads in part, The Federal Housing Finance Agency’s plan to boost mortgage lending by allowing Fannie Mae and Freddie Mac to purchase loans … Continue reading

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October 21, 2014 in Regulation | Permalink | No Comments

October 17, 2014

The Other GSE Conservatorship Lawsuit

By David Reiss

While there has been a lot of attention over Judge Lamberth’s ruling on the shareholders’ cases regarding Fannie and Freddie’s conservatorships, much less has been given to Judge Cooke’s dismissal of Samuels v. FHFA (No. 13-22399 S.D. Fla. ) (Sept. … Continue reading

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October 17, 2014 in Regulation | Permalink | No Comments