The public policy blog of the American Enterprise Institute

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Discussion: (4 comments)

  1. Why does a feee market need an FHA to begin with? If there is demand for something and it makes sense the market will provide it much more effectively than a government program. And if there isn’t the government should not have programs promoting it.

    1. Because the government also heavily intercedes in the “private” lending market through capital controls. When they make these loans 10-100x less capital efficient to create, none of the tranditional sources of consumer credit will touch it over other alternatives.

  2. Max Planck

    Only Ed Pinto, in his mendacity can quote a “fact” by referencing an AEI website:

    Fact: FHA’s abusive lending practices are particularly harmful to working class families and neighborhoods (source:

    It’s nice to know he agrees with any conclusions he draws. What a farce.

    1. Black Box

      Ed’s facts are from an exhaustive study of hard data. It clearly demonstrates excessive FHA failure rates (wealth and neighborhood destruction) concentrated on working class families. That’s what’s on the AEI website. Glad to discuss facts but obtuse criticism of where the research posted is the opposite of a meaningful, fact-based discussion.

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