FHA's 2011 Actuarial Review: A Combination of Rosy Scenarios and Mission Creep
Edward J. Pinto
November 16, 2011

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FHA's 2011 Actuarial Study once again confirms that FHA is becoming ever more over leveraged and continues to pose a great risk totaxpayers.  Combine with mission creep that has turned into a gallop, and we have the makings for a taxpayer bailout.  FHA is providing stiff competition to the government's insured student loan program.   This presentation describes the challenges posed by FHA's rosy scenarios and mission creep.

FHA's 2011 Actuarial Review: A Combination of Rosy Scenarios and Mission Creep

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About the Author

 

Edward J.
Pinto
  • An executive vice president and chief credit officer for Fannie Mae until the late 1980s, Edward Pinto has done groundbreaking research on the role of government housing policies in the lead-up to the financial crisis. In particular, his data have revealed striking facts about the contributions of housing policy to the mortgage crisis. Two of his major research papers have been submitted to the Financial Crisis Inquiry Commission: "Government Housing Policies in the Lead-up to the Financial Crisis: A Forensic Study" and "Triggers of the Financial Crisis." At AEI Mr. Pinto is continuing his work on the role of housing policies in the financial crisis and researching policy considerations and options for rebuilding our housing-finance sector.
  • Phone: 240-423-2848
    Email: edward.pinto@aei.org

  • Assistant Info

    Name: Emily Rapp
    Phone: 202-419-5212
    Email: emily.rapp@aei.org
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