Housing affordability

Years ago, the Federal Housing Administration helped finance thousands of loans for manufactured housing. An effort to restart that program would help millions of Americans afford their own homes.

The Office of Management and Budget has prevented billions of dollars from flowing to community development financial institutions, preventing those funds from supporting housing development.

Some reforms to the system might be necessary, but it would be unwise to eliminate a critical source of funding for banks across the country.

The Federal Home Loan Bank System is a crucial element of our financial infrastructure. All stakeholders should be included in discussions about reforming it.

Even with another annual surge of over 20%, the pace of home-price growth eased in May and experts anticipate even further moderation over the next year.

The American Dream Down Payment Act would let states establish and manage accounts, which would be similar in structure to 529 college savings plans.

The FHFA’s proposal is intended to strengthen Fannie Mae and Freddie Mac, but many experts warn that it could boost guarantee fees for lenders that they say may be passed on to borrowers.

The agency issued a fair housing proposal last month that would perpetuate segregation and make it harder to detect discrimination.

Comptroller of the Currency Joseph Otting explains why his agency and the Federal Deposit Insurance Corp. have moved forward with a proposal to change the 42-year-old CRA.

These community development-focused banks need tailored regulations to expand their purpose in helping underserved areas.

The Department of Housing and Urban Development is seeking public feedback on federal, state and local laws and regulations that may inhibit affordable housing or constrain the supply of housing.

At a House hearing covering a whole host of housing finance reform topics, Fannie Mae and Freddie Mac's regulator said "if the circumstances" call for eliminating investors, "we will."

Home prices have more than recovered since the recession, but higher-than-ever medical and student debt is robbing many homeowners from realizing the benefits, while keeping others away from the market, according to Zillow.

The FHFA can go beyond a recent Trump administration report to level the playing field between the private sector and Fannie Mae and Freddie Mac.

With the ongoing issue of the affordable housing crisis, the Mortgage Bankers Association – which many credit unions are members of – got behind the Build More Housing Near Transit Act, a bipartisan bill introduced in the House of Representatives.

The Federal Housing Finance Agency is revising the multifamily loan purchase caps for the mortgage giants Fannie Mae and Freddie Mac to increase affordable housing.

The industry has taken some steps to lower barriers to affordable housing, but some observers say that more can be done.

Many oppose a metric-based approach, but there are ways it could actually work.

The central bank has a long history of fighting reforms to the Community Reinvestment Act, until now.

The president signed an executive order Tuesday establishing a White House council dedicated to examining regulatory barriers to affordable housing.