2007, 2008, 2014 and Document - Public Administration Today

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2007

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Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

The Stoop (NYU Furman Center)

APRIL 29, 2024

In 2007, the Government Accountability Office (GAO), a non-partisan research arm of Congress, studied title insurance. The 2007 GAO report indicates this has been the historic practice in the title insurance business. The ten-year average from 2014 to 2023 was 6.4 Behind a paywall.) Fannie Mae, Freddie Mac, etc.)

Housing

Housing Regulations 2007 Article

Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

The Stoop (NYU Furman Center)

MAY 31, 2023

This was described on the one hand as unfair, since it relied on overcharging low-risk borrowers “who had played by all the rules” and, on the other hand, as unduly incenting bad loans at the GSEs (by charging too little for high-risk loans) in a quasi-replay of the lead up to the mortgage bubble of 2005 to 2008.

Government

Government 2008 Housing Implementation

Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

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