GSE affordable housing goals: politicized credit allocation
Presentation before the AALS Annual Meeting
Edward J. Pinto
January 05, 2012

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The way forward for affordable housing is through  our principles for reform:

GSE Affordable Housing Goals: Politicized Credit Allocation

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  1. Step back from markets that can be served by the private sector.
  2. Stop knowingly lending to people who cannot afford to repay their loans.
  3. Help homeowners establish meaningful equity in their homes.
  4. Concentrate on homebuyers who truly need help purchasing their first home.  
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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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