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Reforming America’s Housing Finance Market: A Report To Congress By U.S. Department of the Treasury, U.S. Department of Housing and Urban Development
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This paper lays out the Administration’s plan to reform America's housing finance market to better serve families and function more safely in a world that has changed dramatically since its... More > original pillars were put in place nearly eighty years ago. Our plan champions the belief that Americans should have choices in housing that make sense for them and for their families. This means rental options near good schools and good jobs. It means access to credit for those Americans who want to own their own home, which has helped millions of middle class families build wealth and achieve the American Dream. And it means a helping hand for lower-income Americans, who are burdened by the strain of high housing costs. But our plan also dramatically transforms the role of government in the housing market. In the past, the government’s financial and tax policies encouraged housing purchases and real estate investment over other sectors of our economy, and ultimately left taxpayers responsible...< Less