Loan Think

Advocates are seeking more federal funding for affordable housing. A federal investigation into the banks’ alleged manipulation of a popular tax-credit program can’t be helping their cause.

A former Federal Home Loan bank president argues that the system should limit its exposure to risky nonbanks.

The federal conservatorship of Fannie Mae and Freddie Mac was never supposed to be permanent. Leaving the situation unresolved keeps the agencies undercapitalized and taxpayers exposed to their risk.

Comptroller of the Currency Joseph Otting writes that the Community Reinvestment Act has not kept pace with changes in banking and needs to be updated.

Banks aren’t the only ones that need to keep pace with digital innovation — government agencies must also work to stay relevant.

Conservatives will continue to fight for the kinds of reforms embodied in the Choice Act for decades to come, and history suggests they will likely win out.

Fannie Mae and Freddie Mac remain in conservatorship nearly a decade after the financial crisis, and there’s still no end in sight.

Mel Watt's term as director of Federal Housing Finance Agency ends in January, but his exit may be accelerated if the accusations in a new report prove true.

The fees that Fannie Mae and Freddie Mac charge for low down payment mortgages disproportionately reflect their risk exposure and make homeownership more difficult for underserved borrowers.

Debates on the issue often focus on how lending decisions affect certain demographic groups, but those analyses tend to ignore an important factor: default rates.