Mr. Gonzalez is chief planning officer for Infonavit, a private-sector Mexican pension fund that is a major source of mortgage funds in the country. Following are excerpts from a speech he gave this month at the Mortgage Bankers Association's second annual seminar on international real estate finance.

Private and public-sector joint action and commitment have been and will continue to be the linchpins of effective reform (of the mortgage system) in Mexico. And we are well on our way toward creating a more level playing field.

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