Edward Pinto

Resident Fellow

American Enterprise Institute for Public Policy Research

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." Currently a housing-finance-industry consultant, 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.

Previous experience also include:

  • President and CEO, Courtesy Settlement Services LLC
  • Consultant to the Housing-Finance Industry
  • President and CEO, ICBA (Independent Community Bankers of America) SmartLender LLC
  • Executive Vice President and Chief Credit Office; Senior Vice President, Marketing and Product Management; and Vice President, Negotiated Transactions Fannie Mae
  • Capital-Markets Program Manager and Senior Legal Counsel Mortgage Guaranty Insurance Corporation
  • General Counsel and Staff Attorney Michigan State Housing Development Authority
He holds a J.D. from Indiana University School of Law and B.A. at University of Illinois.

Recent Stories From this Author

The Next Housing Bailout? Big Trouble Brewing at the FHA
December 11, 2012 The Federal Housing Administration's fiscal year 2012 actuarial study for its main single-family program shows that its...

CSI: The Assault on the Prime Mortgage Loan
August 22, 2012 When it comes to a government-centered society and its deleterious consequences, our Government Mortgage Complex is the...

Opening Keynote: Helping Underwater Borrowers Current on Their Payments Get Above Water
May 14, 2012

If Not Now, When? Bad Move to Bring Back Higher Loan Limits
November 18, 2011 Three years into the nationalization of housing finance by government-sponsored entities Fannie Mae, Freddie Mac and the...

Debate: The Future of the GSEs
March 15, 2011 The Obama administration has called for the winding down of Fannie and Freddie, the return of FHA to its traditional role and...