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Sometimes it seems as though no one debating housing finance reform was alive before 2008. How the housing finance system operated then, and why it all went wrong, tells us a lot about the "reforms" that are in prospect.
The FHA’s mortgage insurance practices qualify as predatory under the definition set out by the FDIC inspector general. The reasons for this qualification include overcharging of lower-risk borrowers, the FHA's counting on borrowers' lack of understanding of FHA insurance, and the FHA offering abusive loan insurance terms to high-risk borrowers.
The National Association of Realtors has been steadfast in its support of subprime loans and undeterred by the loans’ demonstrable harmful impact on working-class families and neighborhoods. But the safe operation of the US mortgage market over the long term depends on the preponderance of loans being prime—loans with a low risk of default under stress conditions.
The market is concerned about the Federal Reserve's scaling back its aggressive bond purchases. Barron's asked Alex Pollock when and why the Fed will begin to taper.
The summer of 2013 has brought the U.S. two bills in Congress, one in the House and one in the Senate, at last addressing the long-festering problem of what to do with Fannie Mae and Freddie Mac: both propose an American housing finance sector without them.
If you want to understand America's foreclosure crisis, look no further than the Federal Housing Administration (FHA). By financing failure, FHA has made foreclosures commonplace.
At this event, Dinesh Thakur will discuss his experiences and the wider problems of Indian drug quality. Pharmaceutical and medical experts will then discuss Thakur’s remarks and the safety of US and international drugs.
Join us for a conversation with Governor Dannel Malloy as he discusses the successes and challenges of accomplishing school reform at the state level.
Join AEI in welcoming Michael Rubin for a Bradley Lecture discussing his upcoming book “Dancing with the devil: Lessons from negotiating with rogues and terrorists.”
At the Philanthropic Freedom Project's inaugural public event, AEI President Arthur Brooks will present his new research on how charitable giving has changed in the United States in the wake of the Great Recession and how those changes have serious ramifications for future tax policy.
The Air Force Association’s Mitchell Institute and AEI’s Marilyn Ware Center for Security Studies invite you to a forum with the 18th Air Force Chief of Staff General T. Michael Moseley (ret.) to discuss the imperative for air power in an increasingly uncertain world.
Thie event will address the economic implications of cultural fragmentation, the perception of capitalism in Western culture, and how economists can incorporate cultural considerations into their analyses.