Rodney E. Hood

We have the tools to address our housing challenges through a mix of regulatory reforms, policy changes, incentives and investment. What's needed is the will and leadership to put those tools to work.

Financial inclusion is the civil rights issue of our generation — and getting more Americans, especially younger and minority families, into decent, affordable housing is a critical step on the ladder to financial capability, writes a board member of the National Credit Union Administration.

The housing market has changed dramatically since 2002 but the current appraisal limit has not. It's time for NCUA to catch up.