Edward Pinto

Edward Pinto

Resident Fellow
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.
All Edward Pinto's Stories
The Federal Housing Administration's fiscal year 2012 actuarial study for its main single-family program shows that its capital position has turned negative, by $13.5 billion.
When it comes to a government-centered society and its deleterious consequences, our Government Mortgage Complex is the undisputed poster child.
Three years into the nationalization of housing finance by government-sponsored entities Fannie Mae, Freddie Mac and the Federal Housing Authority, it is time to start reducing their footprints.
The Obama administration has called for the winding down of Fannie and Freddie, the return of FHA to its traditional role and size, and the development of a robust private housing finance market with a greatly reduced government involvement Resolved: A private housing finance market should or should not operate with a government guarantee.