A Pragmatic Plan for Housing Finance Reform

Research Report

A Pragmatic Plan for Housing Finance Reform


The paper starts from the premise that a future housing finance system must meet five essential goals: ensuring stability and liquidity so that the future housing finance system is resilient to crises and attractive to a wide range of global investors; ensuring access and equity so that all creditworthy borrowers can get access to the system; strengthening affordable housing, including rental housing for people who need it; limiting the governments role and risk so that taxpayers are better protected; and establishing incentives, competition, and innovation so that a greater amount of private risk capital supports the system.

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